Headshot of Kristi Culbertson

Kristi Culbertson

Loan Officer

Virginia Beach, VA Mortgage Lender

NMLS #819792

445 N Battlefield Blvd., Unit G
Chesapeake, VA 23320
Contact Methods
tel Phone
mobile Mobile
(757) 630-8530


About Kristi

After over 12 years as a loan officer, I have the background, experience, and knowledge of mortgages to prepare homebuyers for every stage of life. I’ve guided hundreds of families in my career and helped them achieve the American dream of homeownership. My favorite part of the job is advising clients on how to build personal wealth. I want people to be in the best financial position possible, not just at the time of their home purchase but throughout their life and into retirement. That’s why I’m here to mold the right financing plan for your future.

When you come to me for your home loan, you can be sure I’ll personalize the process. Each mortgage is unique to your goals, circumstances, and priorities. Maybe a conventional mortgage will match your goals. Perhaps a jumbo loan is a better fit for your big dreams. Or you could qualify for programs with flexible requirements and homebuying benefits like FHA, USDA, or VA. Whether you’re purchasing, renovating, or refinancing, I’m dedicated to getting it done.

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  • Purchase and Refinance
  • Purchase
  • Refinance Loans
Equal Housing Opportunity

Tap into your
home equity - fast

Would you like to improve your home, pay off higher-interest debt, finance education, or pay for other major expenses? A home equity line of credit (HELOC) can provide the money you need using your home equity.

With CCM Equity Express, the process is fast, secure, and fully automated. Simply take 5 minutes to apply and get 100% of your loan amount in as few as 5 days.

Recent Posts and Articles


A homeowner with a child on his lap calculating whether to buy a new home or refinance his home loan

Owning a home is fun and fulfilling!

What’s not to love about having a space that is entirely yours? You can paint your bathroom fuchsia, have hardwood in the master, put up a wild Mosaic in the kitchen, install a smart thermostat, you name it. After all, it’s your home!

Equally enjoyable are the other personal and financial advantages of being a homeowner: security and stability, equity and wealth building, and more! I’m here to help you get the most from your home financing — whether you’re buying your first home, moving up or downsizing to match your lifestyle, or refinancing your current mortgage.

Helping your home financing process go smoothly.


  • The Mortgage Process

    There are some major milestones on your road to home financing. As your loan officer, I’ll be with you every step of the way to make sure you understand each one and get through them quickly.

  • Payment Calculator

    How much will your mortgage payment be? How much can you save if you refinance? Is it better to buy than rent? Use these online calculators to crunch the numbers and see for yourself.

  • Find the Right Loan

    I separate myself from other lenders by offering a broader selection of home financing options — from loans for first-time homebuyers to refinance programs for accessing your home’s equity.

  • Home Loan Check List

    Before you explore the endless options of home financing, some preparation is in order. Planning ahead for your mortgage is the key to an easier and more successful home financing process.

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Send me a message below or give me a call at 757-630-8530