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
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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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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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)