Kristi Hardy - Atlantic Coast Mortgage
EVP | Area Manager | Sr. Loan Officer | NMLS ID #1...
Kristi is a Senior Loan Officer with Atlantic Coast Mortgage, LLC. With over 24 years of experience in consumer lending. Kristi is dedicated to providing exceptional customer service and knowledge you can trust. Kristi has goals of making e... Show More
Location & Business Hours
Business Hours
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9 AM to 5 PM
Sat
9 AM to 5 PM
Sun
9 AM to 5 PM
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Reviews from Web
Kristi Hardy and all her team did a excellent job for me, thank you so much and I really appreciate for all your help, definitely will recommend to my family and friend.
Reply from Kristi Hardy
January 4th, 2025 03:43 AM
Thank you so much for the glowing review, Miguel! I'm delighted to hear that our team at Atlantic Coast Mortgage was able to assist in making your purchase a smooth process. It was truly a pleasure to assist you. Your recommendation to family...
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Kristi Hardy, Maggie French, Claudia Sosa, and the rest of the ACM team were friendly, responsive and helpful for us first time homebuyers closing within a short deadline.
Reply from Kristi Hardy
August 22nd, 2024 02:54 PM
Thank you so much, Olivia, for your glowing review and for giving us a perfect rating! We're delighted to hear that our team, including Maggie and Claudia, could make your first homebuying experience a positive one, especially within such a...
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Kristi and Maggie were amazing from start to finish. From giving us a rough mortgage estimate (months prior to us even being ready to look for home, almost a full year before we actually purchased our home) to answering all our questions with...
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Reply from Kristi Hardy
August 21st, 2024 03:45 PM
Hi Courtney, it's so wonderful to hear about your positive experience! We always strive to make the mortgage process as clear and stress-free as possible, especially for first-time home buyers like yourself. The fact that you felt supported...
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The communication was outstanding!
Reply from Kristi Hardy - Atlantic Coast Mortg...
November 9th, 2026 03:38 PM
I'm so pleased to hear that you found the communication solid, Jason. At Atlantic Coast Mortgage, ensuring clear and effective communication is a top priority for me and the team. Please feel free to reach out if there's anything else you need!...
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Kristi Hardy - Atlantic Coast Mortgage has received a review with 5 star rating from Rick S
Reply from Owner
November 9th, 2026 03:38 PM
Rick, thank you for the excellent rating! I'm glad you had a great experience with us at Atlantic Coast Mortgage.
Everyone was very helpful and got back with answers to questions we had very quickly highly recommended
Reply from Kristi Hardy - Atlantic Coast Mortg...
November 5th, 2026 10:44 PM
Rick, I'm pleased to know that you found everyone helpful and responsive during your cash-out refinance process. At Atlantic Coast Mortgage, we strive to provide quick answers and a smooth experience, so I'm glad we met your expectations.
Kristi Hardy - Atlantic Coast Mortgage has received a review with 5 star rating from Toni S
They walked me through everything. Took and returned calls
Answered all my questions
Reply from Kristi Hardy - Atlantic Coast Mortg...
November 5th, 2026 10:45 PM
Antoinette, I'm grateful to know that you felt supported throughout the process. It’s important to me to be available and answer any questions, ensuring a smooth experience with Atlantic Coast Mortgage.
Everyone involved was very pleasant & professional. Kristi worked diligently to bring the process to closure & kept us informed every step.On the downside, there were too many people involved. We believe that was the cause of a few bumps (incorrect...
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Reply from Kristi Hardy - Atlantic Coast Mortg...
November 5th, 2026 01:10 AM
John, I appreciate your feedback and am glad to hear you found everyone at Atlantic Coast Mortgage pleasant and professional. I apologize for the confusion caused by having multiple people involved and the issues with document handling. Thank...
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Everything was nice and smooth
Reply from Kristi Hardy - Atlantic Coast Mortg...
November 3rd, 2026 04:48 PM
I'm glad to hear that everything went smoothly, Veronica. Working with you at Atlantic Coast Mortgage made the process enjoyable for me as well.
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About
Kristi is a Senior Loan Officer with Atlantic Coast Mortgage, LLC. With over 24 years of experience in consumer lending. Kristi is dedicated to providing exceptional customer service and knowledge you can trust. Kristi has goals of making each client feel comfortable and maintaining her clients as friends for life.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Conventional Home Loan
Mortgage Refinance
Bridge Loans
USDA Loans
Reverse Loans
Specialities
USDA Loans
VA Loans
DSCR Loan
First Time Home Buyer Loans
Bank Statement Program
3-2-1 Buy Down
2-1 Buy Down
1-1 Buy Down
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Positions
- Atlantic Coast Mortgage LLC - VP, Senior Loan OfficerMay 1st, 2016 - Current
Memberships
- VMBA (Virginia Mortgage Bankers Association)
Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Year Started
2020
Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS ID #194938
- Licensed in DC, DE, FL, GA, MD, PA, SC, TN, WV, VA, NC
Awards
Hobbies
- Pilates
- Pickle Ball
- Real Estate Investing
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Disclaimer
Atlantic Coast Mortgage, LLC is an Equal Housing Lender | Doing business in Pennsylvania under the trade name ACM, LLC of PA | Georgia Residential Mortgage Licensee | Company NMLS ID #643114 (www.nmlsconsumeraccess.org)