Kristine Arbogast has been in the mortgage business for over 22 years. As a seasoned professional, 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 excels at working with first-time buyers looking for affordable housing options, military and transient families, as well as current homeowners considering a second home, vacation home, investment property, or refinancing their existing home’s mortgage. Kristine takes the time to fully understand her client’s unique financial situation to deliver the most effective mortgage solution with the best terms available.

Kristine is a consistent top producer for VHDA home loans as well as a member of the Chairmans Club for the last 9 years, Top NAMMBA Producer, and Scotsman Top Originator. She specializes in working with first-time buyers and Conventional, FHA, VHDA, VA, New Construction, and renovation mortgages. Kristine ensures her team is in place to deliver an exceptional experience to every client. With experience in processing, underwriting, and sales, Kristine helps to educate her clients throughout each step of the loan process.

Kristine has resided in Richmond for over 20 years. Fostering her love for giving back to the community, she enjoys volunteering with the United Way, Salvation Army, Habitat for Humanity, Feed More, and many other charitable organizations. Kristine is also a member of the Home Building Association of Richmond (HBAR). When the work is complete, Kristine enjoys spending time with her family, cooking, traveling, walking her dog, and reading.

Whether you’re buying your first home, second home, vacation home, investment property, refinancing or simply need advice – Kristine is here for all your mortgage needs!