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
Thu
9 AM to 5 PM
Fri
9 AM to 5 PM
Sat
9 AM to 5 PM
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Reviews from Web
This process was very easy!
Reply from Kristi Hardy - Atlantic Coast Mortg...
February 17th, 2026 01:36 PM
Erin, I’m glad to hear that the process was easy for you. Making the journey as simple as possible is always my goal. Thank you for sharing your experience, and if you have any more needs in the future, feel free to reach out!
Kristi Hardy - Atlantic Coast Mortgage has received a review with 5 star rating from Zsolt K
Reply from Owner
February 17th, 2026 01:36 PM
Zsolt, I truly appreciate your rating. It’s always great to know when someone has had a positive experience. If you ever need any assistance in the future, don’t hesitate to reach out.
Simple and responsive
Reply from Kristi Hardy - Atlantic Coast Mortg...
February 17th, 2026 01:37 PM
Thank you for the concise feedback. I'm glad to know you found the process straightforward and responsive. If you have any more needs or questions in the future, feel free to reach out.
Made it easy on our end.
Reply from Kristi Hardy - Atlantic Coast Mortg...
February 9th, 2026 04:37 PM
David, it's great to know that the process felt straightforward on your end. Making things as easy as possible is always my aim. Thank you for your feedback, and if you ever have any more needs or questions in the future, don't hesitate to...
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Great experience
Reply from Kristi Hardy - Atlantic Coast Mortg...
February 2nd, 2026 04:41 PM
Deepinder, I really appreciate your concise feedback. I'm glad to know you had a positive experience with the mortgage process. If you ever have more needs or questions in the future, don't hesitate to reach out.
Team was very helpful and that made the process very easy.
Reply from Owner
February 2nd, 2026 04:41 PM
Nicole, it's great to know that you found the process easy. I'm glad my team's support contributed to making your experience a positive one. If you have any future questions or need assistance, please don't hesitate to reach out.
Process was easy and team was extremely responsive
Reply from Kristi Hardy - Atlantic Coast Mortg...
February 2nd, 2026 04:43 PM
Nicole, I'm glad to hear that you found the process easy and that the team's responsiveness met your needs. Making the experience smooth and efficient is always a priority, and it's great to know we achieved that for you. Should you have any...
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Kristi and her team are awesome and make home buying a breeze!
Reply from Owner
February 2nd, 2026 04:43 PM
Tracy, I'm glad to know that your home buying experience felt so effortless with my team and me. Making the process as smooth as possible is always my goal. Thank you for your kind words, and I'm here if you need any assistance in the future....
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Kristi and her team made buying our first house not-so intimidating :) They answered all of our questions and helped us every step of the way. The app was also very easy to use and being able to sign documents electronically was very helpful....
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Reply from Kristi Hardy - Atlantic Coast Mortg...
February 2nd, 2026 04:44 PM
Tracy, I'm really glad to hear that buying your first house felt more manageable with my assistance. It's important to me to ensure that every question is answered and to provide support at each stage of the process. The convenience of electronic...
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Overall, it was a good experience (good wasn't an option) but as first time home buyers, I think there was opportunity for more connection and support through the process. a lot of things were just sent to us without context or trying to help...
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Reply from Kristi Hardy - Atlantic Coast Mortg...
January 22nd, 2026 03:19 PM
Thank you, Jasmine, for sharing your honest feedback. As a first-time home buyer, it's important to feel well-supported throughout the process, and I apologize if there were moments that lacked context or clarity. I'll take your comments to...
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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)