About Kristine Arbogast
I know the mortgage process can feel intimidating. I’m here to help guide you through it.
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!
Why Choose Kristine Arbogast?
★★★★★
"Thank you for being so willing to educate us on some of the things we did not know being first-time homebuyers! You put our minds at ease and made this feel like an educational process too, which we greatly appreciate!"
- Cameron S | May 11, 2024
★★★★★
"Kristine demonstrated a professional, knowledgeable, and responsible approach throughout the mortgage process. It was a pleasure to work with her."
- Martha L N | May 2, 2024
★★★★★
"From the very start of working with Kristine, she and her team made the process very easy. Very responsive and easy to get in touch with as well!"
- Alexander R V | April 19, 2024
Awards
Chairman’s Club
2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024
Top NAMMBA Producer
Scotsman Top Originator
Fully licensed in the State of Virginia



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 09/18/2025. 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 Kristine Arbogast
Whether you're in need of a mortgage or simply looking for advice, I'm happy to help. Let's connect!
Phone
804-334-8157Areas Kristine Serves
I’m available for all your mortgage needs in the following states: