About Kris O'Reilly
Your home purchase is the most important purchase of your life. It's important to me too.
The guidance of a trustworthy and experienced mortgage professional can simplify any home financing experience. Kris O'Reilly is a trusted Mortgage Loan Consultant with TowneBank Mortgage, proudly serving Suffolk, Smithfield, and the Peninsula including Hampton and Newport News, VA. As an experienced mortgage loan officer, she specializes in home financing solutions such as conventional, FHA, VA, and USDA loans, as well as refinancing and low-down payment mortgage options.
Kris is passionate about helping first-time homebuyers, growing families, and homeowners achieve their goals through personalized financing strategies and expert guidance. Outside of work, Kris enjoys life on her farm, spending time with her grandchildren, relaxing at the beach.
Client Tools
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Calculate Your Monthly Payment
Our calculator tool helps your better understand your budget and home eligibility by giving you an estimated monthly payment based on purchase price, current loan rates, and loan terms.
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- *Estimated, not including taxes and insurance.
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Our professionals are ready to assist you with a personalized estimate, tailored to your specific wants, needs and situation when you're ready. Let us help you finance with confidence.
* The figures shown are estimates and are subject to change based on a more thorough review of your needs, choices, and credit history. The payments shown do not include other expenses you will incur as a homeowner; such as taxes and insurance. For an even more accurate quote, contact a loan officer.
The default interest rate is the Freddie Mac Weekly National Average for a 30-year conventional mortgage as of 06/25/2026. Read More
Actual figures will vary based upon market conditions and a more thorough review of your needs, loan choices and credit history. Please note that the interest rate is different from the Annual Percentage Rate (APR), which includes other expenses such as mortgage insurance, and the origination fee and or point(s), which were paid when the mortgage was first originated. The APR is normally higher than the simple interest rate. The payments shown do not include other expenses you will incur as a homeowner; such as taxes and insurance. This is an estimate. For a more accurate quote, speak with a loan officer. This calculator is a tool and is not intended as an advertisement.
Contact Kris O'Reilly
Whether you're in need of a mortgage or simply looking for advice, I'm happy to help. Let's connect!
Areas Kris Serves
I’m available for all your mortgage needs in the following states: