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
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Business Hours
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9 AM to 5 PM
Fri
9 AM to 5 PM
Sat
9 AM to 5 PM
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Reviews from Web
You guided us through the process and made it easy for us to fulfill our responsibilities.
Reply from Kristi Hardy
January 12th, 2026 08:01 PM
I'm glad to know that you found the process easy to navigate, Edward. Helping clients fulfill their responsibilities smoothly is a key part of my role. If you ever need anything else or have more questions, feel free to reach out.
They looked at all the options we asked for, offered others, and we went through all the pros and cons to help us make the best decison
Reply from Kristi Hardy - Atlantic Coast Mortg...
January 6th, 2026 05:08 PM
I appreciate you sharing your experience, Mario. It's important to me that all available options are considered, and I'm glad we could explore different scenarios together. I aim to provide thorough guidance so you can make informed decisions...
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Extremely responsive, above and beyond - I've already recommended the team to a friend for her home buying experience.
Reply from Kristi Hardy - Atlantic Coast Mortg...
January 6th, 2026 05:08 PM
I appreciate your kind words and the trust you've placed in me by recommending my services to a friend. Being responsive and going beyond expectations are commitments I take seriously, so it's rewarding to know they made a positive impact....
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Everyone I work with this couple of months on my mortgage process doing fantastic job, I can't thank enough all of the staff I had good experience. Thank you for the help.
Reply from Kristi Hardy - Atlantic Coast Mortg...
December 1st, 2025 02:44 PM
It's great to know that you had a positive experience with your mortgage process over these past months. I’m glad that the assistance provided was helpful and met your expectations. If you have any future needs or questions, please don’t hesitate...
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Everything was fast and efficient.
Reply from Kristi Hardy
December 1st, 2025 02:44 PM
I appreciate you taking the time to leave a review. It's great to know that you found the process fast and efficient. If you have any further questions or need assistance in the future, please feel free to reach out.
Your attention to detail and impressive communication with us every step step of the way was far beyond our expectations. Had established our confidence in you after our first initial contacts!
Reply from Kristi Hardy - Atlantic Coast Mortg...
November 11th, 2025 08:25 PM
I'm pleased to hear that my attention to detail and communication met your expectations. Establishing confidence from our initial contact is important, and I'm glad I could meet your needs throughout the process. Thank you for sharing your...
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Working with Kristi Hardy and her team at Atlantic Coast Mortgage was truly exceptional from start to finish. From the very first call, this team made what could have been a stressful process feel seamless, transparent, and even exciting. Her...
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Reply from Owner
December 17th, 2025 01:25 AM
I'm truly appreciative of your kind words and am pleased to know that the mortgage process felt seamless and transparent for you. Taking the time to explain options thoroughly and ensuring clear communication are priorities I hold dear, so...
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Working with Kristi Hardy and her team at Atlantic Coast Mortgage was truly exceptional from start to finish. From the very first call, this team made what could have been a stressful process feel seamless, transparent, and even exciting. Her...
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Reply from Kristi Hardy - Atlantic Coast Mortg...
November 11th, 2025 08:26 PM
Travis, it's truly rewarding to read your thoughtful review. I'm glad to hear that the process felt seamless and transparent for you, as maintaining clarity and support is essential in my approach. I'm pleased that the explanations and comparisons...
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I had a certain amount of a payment to maintain financial stability. Kristi's team obtained an interest rate that gave me that payment. In the end, the only thing I had to do was realize that I got everything I asked for!
Reply from Owner
December 17th, 2025 01:25 AM
It's great to know that everything worked out just as you hoped and that the interest rate met your financial needs. Making sure my clients achieve their goals is a priority, and I'm pleased to have been part of this successful outcome for...
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I needed to keep the payment at a certain amount and Kristi's team made sure that I got an interest rate that accomplished that number. All I had to do was realize that I actually got everything i asked for!
Reply from Kristi Hardy - Atlantic Coast Mortg...
November 11th, 2025 08:29 PM
It's great to hear that we could meet your needs with the interest rate and payment. I'm glad the final outcome reflected what you were looking for. If you have any more questions or need assistance down the road, don't hesitate to reach out....
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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)