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
Working with Kristi Hardy and her excellent team of professionals at Atlantic Coast Mortgage was truly a stress free experience from start to finish. From the first introduction, Kristi and her team made you feel like you were their number...
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Reply from Owner
March 14th, 2026 03:59 PM
Ms. R! Thank you so much!!! Your review highlights many aspects that I strive to achieve in every mortgage process. I'm glad to hear that both the support and dedication from my team and me contributed to a stress-free experience for you. It's...
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Excellent customer service! The staff was very knowledgeable and receptive to all aspects of the process. They were friendly, attentive, and went above and beyond to make sure everything was taken care of in a timely manner. I really appreciated...
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Reply from Kristi Hardy - Atlantic Coast Mortg...
March 14th, 2026 03:59 PM
I truly appreciate your thoughtful review, Sharon. I'm delighted that their knowledge and attentiveness made such a positive impact on your experience. Ensuring everything is handled promptly and professionally is important to me. Thank you...
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Working with Kristi Hardy and her excellent team of professionals at Atlantic Coast Mortgage was truly a stress free experience from start to finish. From the first introduction, Kristi and her team made you feel like you were their number...
read more
Reply from Owner
April 4th, 2026 12:00 AM
Ms. R! Thank you so much!!! Your review highlights many aspects that I strive to achieve in every mortgage process. I'm glad to hear that both the support and dedication from my team and me contributed to a stress-free experience for you. It's...
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We received quick and helpful responses, which provided a seamless process to close on our home.
Reply from Kristi Hardy - Atlantic Coast Mortg...
March 7th, 2026 04:50 PM
Leslie, it's wonderful to know that the quick and helpful responses contributed to a seamless closing process for your home. Providing efficient and supportive communication is always a priority for me. Thank you for sharing your experience,...
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Outstanding service to get your dream reality!
Reply from Owner
March 16th, 2026 04:20 AM
I'm glad to know that you felt the service met your expectations, Tamimi. My goal is to help clients turn their dreams into reality, and hearing your positive feedback is truly appreciated. If there's anything more I can do for you in the future,...
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The stuff are amazing. Received the outstanding guidance during the loan process that made my life easy , real time communication . Find the best solution to get my loan easy and fast for my dream to realize and see the light.thank you all...
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Reply from Kristi Hardy
March 7th, 2026 04:51 PM
Sami, I'm truly glad to hear that you found the guidance during the loan process helpful and that it made things easier for you. It's important to me to provide real-time communication and find the best solutions for each client. Thank you...
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She worked very hard to get us through a complicated loan
Reply from Kristi Hardy - Atlantic Coast Mortg...
March 6th, 2026 07:24 PM
John, I appreciate you recognizing the effort put into navigating your loan process. It can certainly be challenging at times, and I'm glad I could assist in making it manageable. Thank you for your review, and feel free to reach out if there's...
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Kristi and her team were absolutely wonderful! Findings a lender for us wasnt wasn't easy and we were making plans on what to do when the deal fell throug. Kristi came through for us and made the deal happen! We were in shock and so grateful...
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Reply from Kristi Hardy
March 6th, 2026 07:24 PM
Melody, I'm truly heartened by your words and grateful for the opportunity to help during such a crucial time. It was essential for me to come through with the right solution when challenges arose, and I'm relieved we could make it work for...
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Great experience!
Reply from Kristi Hardy - Atlantic Coast Mortg...
February 27th, 2026 02:23 AM
I'm glad to hear you had a great experience, Marc! Thank you for choosing me to assist with your mortgage needs. If you have any future questions or need further assistance, feel free to reach out.
Incredibly responsive throughout the process - early, during, after. Full team awareness and willingness to jump in. Highly recommended.
Reply from Owner
March 6th, 2026 07:24 PM
I appreciate your recommendation, Phil. I'm glad to know that the responsiveness of my team and I made a positive impact on your experience. Being attentive and ready to assist at every stage is something we value deeply. Thank you for sharing...
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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)