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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 and TowneBank were the BEST to work with! They answered every question I had along the way and responded so quickly every time. I would recommend them to everyone!

- Tracy O.

Our loan was processed without any issues, quuckly.

- Benjamin D.

Kristine and Jake were always there and available when I had a question. I will be definitely recommending them to friend/family in the future.

- Lisa M.

Kristine was knowledgeable, responsive and compassionate throughout the home buying process. From the start, she was able to provide a variety of financing options with the advantages and disadvantages explained side by side. During the underwriting and approval process she remained a point of contact to which we knew we could direct a question and get an answer, more information or necessary resource in a timely fashion. We are very pleased with our experience; thank you Kristine!

- Leigh D.

Kristine was very helpful and walked me through all the steps and answered all my questions to help put me at ease through the whole process.

- Elyse R.

Kristine was very helpful throughout the entire process. She was even available to me after hours a few times. She is very good about explaining the intricacies of the process to me. She went above and beyond to help me get what I needed accomplished. I highly recommend her and he team!

- Jennifer V.

- Michael R.

The team was very accommodating and flexible and made all of the hurdles and challenges easy!

- Shelley E.

Great start to finish. Thank you!

- Jennifer L.

We were impressed with the fine job Kristine did with explaining everything to us and her friendly attitude towards my husband and me. My sister and her husband recommended Kristine and I can see why they were so enthusiastic about her.

- Douglas R.
Kristine Arbogast

Kristine Arbogast

VP, Senior Loan Officer
NMLS ID #: 249222

Office: 804-334-8157

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