BROUGHT TO YOU BY TOWNE FIRST MORTGAGE
YOUR MORTGAGE PROFESSIONALS
The home-building journey is filled with a variety of important decisions. With the knowledge and experience you need, our professionals ensure that the entire mortgage process is a smooth and enjoyable one.
Towne First Mortgage offers a wide array of loan programs to provide you with the best possible fit for your individual mortgage needs. We pride ourselves in providing excellent customer service and establishing long lasting customer relationships.
AVAILABLE MORTGAGE OPTIONS
VA: No downpayment and no monthly mortgage insurance for veterans, active duty servicemen and qualifying family members when staying within VA loan limits
FHA: As little as 3.5% downpayment for first-time homebuyers
CONVENTIONAL: Fixed rate or adjustable rate loans with up to 95% financing
VHDA 97%: As little as 3% downpayment and no monthly mortgage insurance. VHDA is for Virginia Residents only. Visit
VHDA FHA PLUS 101.5%: 1st mortgage of 96.5% and 2nd mortgage of 3.5-5% of sales price to help fund your downpayment and closing cost. VHDA is for Virginia Residents only.
USDA: Perfect for rural buyers, with up to 102% financing and low monthly mortgage insurance.
Construction loans available. Build your dream home on your own lot!
For mortgage related questions or to complete your loan application, please contact Towne First Mortgage today!
Mortgage Senior Loan Officer
NMLS ID #: 252882
Mike Hall is passionate about educating and guiding borrowers through the mortgage process, helping them choose the best mortgage for their specific circumstances.
Mike specializes in first time home buyer loans, new construction, VA, USDA and government loans. He gets to know his clients through an initial loan consultation to establish their needs and wants in a mortgage loan.
He is consistent in his approach to gather the necessary loan documents, ensuring a hassle-free loan process. Throughout the process, Mike routinely updates his clients to guarantee that they’re always in the know.
TowneBank Mortgage recognized Mike as a President’s Club Member in 2013, 2014 and 2016. He is also a member of the Southside Virginia Association of Realtors and RVA Prospectors. Mike graduated with a degree in Psychology from Virginia Commonwealth University in 1998.
In his free time, Mike enjoys golfing, fishing and jet skiing, and vacationing in the Outer Banks with his son, Carsen.
As your loan officer, Mike will help you close your loan on time, without added stress or hassle. Call Mike to start the loan process today!
VP, Senior Mortgage Loan Officer
NMLS ID #: 249222
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 specializes in Conventional, FHA, VHDA, VA and renovation mortgages with a team in place that will ensure each and every client has a great experience.
Kristine has resided in Richmond for over 20 years. Fostering her love for giving back to the community, she enjoys volunteering with the YMCA, Feed More and many other charitable organizations.
Fully licensed in the state of Virginia
2011, 2015 5-Star Professional in Richmond Magazine
2013, 2015, 2016 VHDA Top Producing Loan Officer
Chairmans club 2015, 2016 & 2017
Mortgage Loan Officer
NMLS ID #: 1688847
Abby Allen choose a career in the mortgage industry because she wanted the opportunity to make a positive impact on families in the Richmond area and beyond.
While the loan process can be complicated at times, Abby prides herself on providing excellent customer service to her clients, day and night. She is always available to guide her clients through the loan process or answer any questions they may have.
A recent graduate of the University of Georgia, Abby held her real estate license for two years before joining the mortgage industry. Her in-depth knowledge of the real estate industry allows her to understand the home buying process from multiple viewpoints, which serves as an asset to her clients.
A lifelong resident of the Richmond area, Abby enjoys spending time with her family and cheering on her football teams.
Whether you are purchasing your first home, an investment home, refinancing or just need mortgage advice, call Abby today!
Mortgage Loan Officer
NMLS ID #: 1085540
Since becoming a Loan Officer in 2013, Kenny Fryman has helped hundreds of clients in the Richmond area achieve their dream of homeownership.
He is knowledgeable on all home loan products, including 203k Renovation, Construction Perm, Home Equity Line of Credit, USDA, FHA, and Conventional. The majority of his business consists of VHDA, FHA, and Conventional Loans.
Kenny works closely with clients to clearly communicate the difference between loan programs, and how each can benefit a particular borrower. He strives to be available at all times of the day, and often meets with customers in the evenings or on weekends. Clients are welcome to communicate with Kenny through text, email, or over the phone—whichever is best for the borrower.
Kenny was awarded a member of the TowneBank Mortgage Chairman’s club in 2015 & 2016, closing over 100 loans per year. He earned a B.S. in Business & Finance from Hampden-Sydney College in 2013, where he served as captain of the football team.
Together, Kenny and his team at Towne First Mortgage work diligently to ensure that your loan closes on time, and that the process runs smoothly.
Call Kenny to get started on the loan process today!
Mortgage Loan Officer
NMLS ID #: 556548
With over 12 years of experience in the real estate and mortgage industries, Kaitlyn has a vast knowledge of all the steps involved in home buying, and the ability to simplify that process. Kaitlyn is dedicated to helping her clients find the best home financing solution for their individual needs, and strives to make the experience feel thoughtful and personal for everyone.
As a Richmond native, Kaitlyn understands the local housing market, which serves as an asset as well. She also understands the importance of having the lines of communication open constantly, and is always accessible to her clients and partners. In her free time, she enjoys reading, running, spending time with her husband, two children and friends, and enjoying Richmond's festivals, food and music.
Programs, rates, and fees are subject to change at any time without notice. This information provided is deemed reliable but not guaranteed. The information on this website is not an advertisement to extend customer credit as defined by Section 12 CFR 1026.2 Regulation Z. All mortgage financing is subject to credit and underwriting approval. Receipt of borrower’s application or inquiry does not represent an approval for financing or rate guarantee. Towne First Mortgage is an Equal Housing Lender and Equal Opportunity Lender. Links and content are being provided for informational purposes only. Towne First Mortgage has no control over any other website and is not able to endorse, guarantee or monitor content, availability, viewpoints, products or services that are offered or expressed on any site other than this one.