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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


Everything was explained to me. If I had questions they were answered quickly.

- Erin E.

Kristine was super helpful, accommodating and knowledgable through the whole experience. I highly recommend going through Towne Bank and Kristine for your home loan. Thank you for all of your help through this process Kristine!!

- Amye V.

Kristine was very good at making sure that I fully understood everything I was facing. She was patient with my 5,000 questions and I was thankful to have her.

- Catherine M.

Friendly and encouraging communication!

- Jason S.

Kristine was awesome to work with! We couldn't have asked for anyone better.

- Scott F.

Conscientious, friendly, knowledgeable and professional. An easy “recommend.”

- Michael L.

When our realtor failed to tell the bank that our closing date had changed, they got into gear and made it happen.

- Jean S.

Kristine and her team quickly responded when I had any questions regarding my mortgage loan application. They were not only professional and personable, they also continually kept an eye out for lower rates. This of course meant a lot to me. Overall, it was a great experience. I highly recommend Kristine and her team.

- Karen S.

Kristine was always there for us!

- Timothy L.
Kristine Arbogast

Kristine Arbogast

VP, Senior Loan Officer
NMLS ID #: 249222

Office: 804-334-8157

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