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
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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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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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)