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As a seasoned professional in the mortgage lending industry, Kristine has built a reputation of providing outstanding service to her customers. Her clients can count on her for guidance in making the best financial decisions and she will simplify the loan process to ensure a smooth experience from   pre-qualification to closing.  Kristine is a consistent top producer for VHDA home loans as well as a TowneBank Mortgage Chairman’s Club member. She


Kristine shows commitment and care through constant communication from start to end. We could tell the effort being made to find a loan that best fit our needs. Thank again!

- Johana D.

Kristine was so great to work with throughout the process. It is a stressful time, but Kristine answered all of our questions and was always so responsive. We highly recommend her and Towne!

- Andrew B.

Kristine continues to work on providing the best options available. This is the second time working with her and have had no issues either time with finding what we feel is a great loan.

- Christopher A.

Kristine was great to work with and very helpful. 10/10 recommend.

- Jeremy T.

Very great help with assisting the process of purchasing a home. Always get right-away answers when needed . Would recommended her to anyone purchasing a home .

- Chamroeun L.

Krstine was very patient and showed me a variety of options for getting a first time home buyer loan. She made the process as painless as possible, and I wouldn't hesitate to recommend her!

- Leah B.

Kristine was amazing! She was very prompt and very quick when working with us. It definitely made the whole home buying process feel a lot easier with her.

- Jared O.

Great Job Kristine.

- Thomas A.

Kristine’s communications between my wife and I helped ease our mind through this entire process. Everything she said was right on point and we new what to expect when it happened. Kristine’s knowledge of her industry is top notch and she gives very professional advice. We would highly recommend her to our friends and would definitely use her again for another home transaction. We’re so pleased with our experience and glad how smooth it went. Thank you again!

- Brian T.
Kristine Arbogast

Kristine Arbogast

VP, Senior Loan Officer
NMLS ID #: 249222

Office: 804-334-8157

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