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
Professional and efficient. If I asked a question via email, I got a response nearly immediately. All went smoothly!
Reply from Kristi Hardy - Atlantic Coast Mortg...
November 7th, 2025 01:24 PM
I'm glad to hear that everything went smoothly for you. Prompt communication is something I strive for, and I'm pleased to know it made a positive impact on your experience. Thank you for your feedback, and if you ever have more questions or...
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Kristi Hardy and Dana Chapman communicated phenomenally throughout the process but more importantly I always felt I was the most important client to them despite me knowing there were other clients. Smart, attentive and drive. Truly, a powerhouse...
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Reply from Kristi Hardy
November 7th, 2025 01:24 PM
Thank you for your kind feedback. It's rewarding to know that you felt valued throughout the process. Communication is key, and I'm glad that Dana and I could provide the support you needed. Your trust in us means a lot, and I appreciate your...
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Kristi Hardy - Atlantic Coast Mortgage has received a review with 5 star rating from Lori B
Reply from Owner
December 17th, 2025 01:25 AM
Thank you for your 5-star rating, Lori. I appreciate your support and am glad you had a positive experience. If you ever need assistance in the future, I'm here to help.
Excellent at every step!
Reply from Kristi Hardy - Atlantic Coast Mortg...
November 4th, 2025 08:32 PM
I appreciate your kind words and am glad to know that you found every step of the process met your expectations. It's my goal to provide dependable service throughout the journey. Should you have any future needs or questions, I'm here to assist....
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Kristi Hardy - Atlantic Coast Mortgage has received a review with 5 star rating from Emily D
Reply from Owner
December 17th, 2025 01:25 AM
Thank you, Emily, for giving such a positive rating. It's appreciated greatly and I’m here if you need any assistance in the future.
Great communication, all questions answered, felt like we were being taken care of the entire time, made the process simple and easy
Reply from Kristi Hardy
November 4th, 2025 08:32 PM
It's reassuring to know that you felt well taken care of throughout the process, Emily. We aim to make each step as simple and easy as possible while ensuring your questions are thoroughly addressed. Thank you for letting me be part of your...
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Maggie French was wonderful to work with! She made the whole process smooth from start to finish and handled all our questions and concerns with grace.
Reply from Kristi Hardy - Atlantic Coast Mortg...
October 30th, 2025 02:10 PM
I'm glad to hear that the process was smooth and your questions were handled well. It's a priority for me to ensure everything is clear and seamless for my clients. Thank you for choosing Atlantic Coast Mortgage, and Maggie and I are here for...
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We were kept informed of process/status/next steps. Appreciate the immediate responses to questions.
Reply from Kristi Hardy
October 30th, 2025 02:10 PM
Thank you for sharing your experience. Keeping clients informed and responding quickly to questions are key aspects of my approach. I'm glad to know these efforts were valuable to you. If there's anything else I can assist you with in the future,...
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Clear, proactive communication to set appropriate expectations
Reply from Kristi Hardy
October 30th, 2025 02:10 PM
I'm glad that my communication efforts helped set clear expectations for you during the process. It's essential to me that my clients have a transparent and smooth experience. Thank you for sharing your feedback, and feel free to reach out...
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Thank you Kristi and her team for helping my husband and I move so quickly to close on our first home! From start to finish we closed in 16ish days, most of those days we were out of the country travel. We were very impressed with her teams...
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Reply from Owner
December 17th, 2025 01:25 AM
It's wonderful to hear that you and your husband were able to close on your first home so efficiently, even while traveling. I'm glad the responsiveness and communication from my team met your expectations. Thank you for choosing me to assist...
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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)