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
I had some roadblocks with another mortgage company, but when working with you - you came up with solutions. Additionally, you gave me a better rate than the other company had offered.
Reply from Kristi Hardy - Atlantic Coast Mortg...
January 22nd, 2026 03:21 PM
Joseph, it's great to hear that I could assist you in overcoming the challenges you faced with another mortgage company. Finding solutions and securing a competitive rate was my goal, and I'm glad we succeeded together. Thank you for choosing...
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My refinancing experience was great due to the team’s professionalism, timely updates, and how smoothly everything was handled. They were responsive, transparent about the requirements, and guided me through each step from start to finish.
Reply from Kristi Hardy - Atlantic Coast Mortg...
January 16th, 2026 10:53 AM
I appreciate your feedback, Romana. It's great to know that the professionalism and timely updates made your refinancing experience a positive one. Being responsive and transparent is vital in navigating the process smoothly, and I'm pleased...
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Kristi Hardy - Atlantic Coast Mortgage has received a review with 5 star rating from Karen W
Reply from Owner
January 23rd, 2026 01:05 AM
Thank you, Karen, for the positive rating. Your support is greatly appreciated.
Exceptional customer service! Professional, efficient and personable. Very responsive and timely interactions. I cannot say enough about our experience- definately top notch!!
Reply from Kristi Hardy - Atlantic Coast Mortg...
January 12th, 2026 04:55 PM
I appreciate your kind words, Karen. It's wonderful to know that you found the service professional and efficient. Ensuring timely and personable interactions is always a priority for me. If there's anything else I can assist you with now or...
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The process of buying through ACM could not have been any more stream lined. I was kept up to date through the entire process. Submitting what was needed was very simple through their portal. Very positive experience. I would recommend them...
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Reply from Kristi Hardy - Atlantic Coast Mortg...
January 12th, 2026 08:00 PM
Your feedback is appreciated, Troy. I'm glad to know that you found the process smooth and the portal easy to use. Keeping you informed throughout was a priority, and it's great to hear that it contributed positively to your experience. If...
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Kristie and her staff are all personable and professional. They kept us well informed throughout the process. Buying a house can be stressful but not with Kristie.
Reply from Kristi Hardy - Atlantic Coast Mortg...
January 6th, 2026 05:07 PM
I appreciate your feedback, William. It's great to know that you felt well-informed and supported throughout the home-buying process. Ensuring that things remain as stress-free as possible is always my aim. If you need any assistance in the...
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Responsiveness, on time closing, documentation that explained the process thoroughly
Reply from Kristi Hardy
January 12th, 2026 08:00 PM
I'm happy to know that the documentation and responsiveness met your expectations. Ensuring a clear and timely process is something I strive for, so it’s great to see my efforts reflected in your experience. If you have any other questions...
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Dana was very responsive throughout process and answered any questions we had quickly
Reply from Kristi Hardy - Atlantic Coast Mortg...
January 6th, 2026 05:07 PM
Thank you for your feedback. It's great to know that Dana was responsive and quick to address your questions during the process. If there's anything more you'd like to discuss or if you need any further assistance, I'm here to help.
Kristi was fantastic and attentive. She made the seemingly impossible possible. She was always available and easy to contact. I'd never be a homeowner if it wasn't for her.
Reply from Kristi Hardy
January 12th, 2026 08:00 PM
It's really rewarding to know that my efforts had such a positive impact on your home buying journey. Being attentive and accessible is something I strive for, so I am glad I could assist in making the process possible for you. If there's ever...
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Timely and effective communication that made it easy and smooth to follow through the process. The online platform or portal made it easy to upload documents, communicate requirements and avoided or minimized errors or missteps.
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Reply from Kristi Hardy - Atlantic Coast Mortg...
January 6th, 2026 05:08 PM
I'm pleased to know that the communication throughout the process was timely and effective for you. It's great to hear that the online platform helped streamline document uploads and communication while minimizing errors. 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)