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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 was pleasant and professional. Was a great experience.

- David A.

Kristine has been outstanding throughout this process

- Abdelouahab B.

Krisitine and her team made the home buying experience easy and stress free.

- Jessica J.

Kristine and her team were exceedingly knowledgeable, responsive, attentive and kind through the entire home buying process. We could not have asked for a better experience. As a first time homebuyer, her professionalism and personability put my wife and me at ease and we always felt like we were in the best hands.

- Stanton P.

All the questions we had were answered promptly and the service was great. The only problem I had was when I uploaded the first round of documents into the portal, it did not seem to work. I had a message saying they had uploaded but had to send them again later because they were not received.

- Philip H.

Customer service and communication

- Gregory J.

As a Realtor for 20+ years, referring my clients to a respected and trusted lender is extremely important to me. I am grateful for the care she has provided to my clients in the past. Now, as a buyer myself, I am even more thankful for Kristine. She truly cares for her clients and it goes a long way in easing the stress that comes with buying a home. I will continue to wholeheartedly recommend Kristine to my clients, friends, and colleagues.

- Jennifer J.

Awesome to work with . Very very easy with lots of knowledge about loans and such . This is 3rd time I’m dealing with her . Thanks a lot for all that you do .

- Michael T.

Kristine was very responsive to our questions and proactive in keeping us on track to bring our loan to successful closure. We appreciate her experience and responsiveness. Thank you

- Donald E.

Kristine was awesome. She stayed on top of the process from start to finish. We had a tight timeline and she delivered! Would not hesitate to refer my closest friends to her.

- David A.
Kristine Arbogast

Kristine Arbogast

VP, Senior Loan Officer
NMLS ID #: 249222

Office: 804-334-8157

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