Being a good mortgage professional means treating your clients and their financial goals as a top priority. Kristen Smith is committed to making sure that you are getting the loan that best fits your needs, while remaining dedicated to the objective of helping simplify the home financing process.

As a lifelong resident of Hampton Roads she realizes the importance and the benefits of working with a hometown lender and looks forward to the opportunity to work with you. She specializes in creating the best mortgage finance plan to lower costs, save money and help you purchase or refinance the home of your dreams.


  • Specializes in Conventional, FHA and VHDA loan programs

  • Knowledgeable in construction financing

  • Pre-qualifications and Applications can be taken by phone, appointment, or online

  • TowneBank Mortgage is an active participant in Virginia Mortgage Lenders Association, Tidewater Builders Association, Hampton Roads Realtors Association and Mortgage Bankers