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
Strong communication, replied in a timely manner.
Reply from Kristi Hardy - Atlantic Coast Mortg...
October 30th, 2025 02:17 PM
It’s great to know that the communication met your expectations and that I was able to reply in a timely manner. Keeping the lines open and responsive is something I focus on, so your feedback is truly valued. If there’s anything more you need,...
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Everyone on the Carolyn Young team did a outstanding job! They were quick, efficient and very helpful throughout the whole proces! This isn't the first time we have used them and we recommend them to all our friends and family.
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Reply from Kristi Hardy
October 30th, 2025 02:18 PM
I appreciate your kind words about your experience with the Carolyn Young team and The Kristi Hardy Team! It's great to hear that their efficiency and helpfulness made a positive impact. Thank you for recommending them to your friends and family,...
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Kristi and her team were incredidle. The experience was seamless, with minimal stress, and communication was straightforward and timely. I truly could not have had a better experience!
Reply from Kristi Hardy - Atlantic Coast Mortg...
October 10th, 2025 04:07 PM
It's great to hear that your experience was seamless and stress-free. I strive to make the mortgage process clear and straightforward, so it's rewarding to know that this was your experience. Thank you for your kind words, and I'm here if you...
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The process was super easy and fast. It was a lot less stressful than I thought it would be!
Reply from Kristi Hardy - Atlantic Coast Mortg...
October 9th, 2025 02:00 PM
It's great to hear that the process felt easy and moved quickly for you. Reducing stress is always a priority when handling mortgages, and I'm glad I could contribute to a smoother experience. Thank you for choosing to work with me.
I had an excellent experience working with Atlantic Mortgage. The team was patient throughout the entire process and consistently stayed on top of every promise they made. Their communication was clear, timely, and professional. The customer...
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Reply from Kristi Hardy - Atlantic Coast Mortg...
October 9th, 2025 02:01 PM
It's wonderful to hear about your excellent experience with Atlantic Mortgage. I'm pleased that the team's patience and commitment made a positive impact during your mortgage process. Consistent and professional communication is something I...
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Every step in the home buying process was supported by you guys.
Reply from Kristi Hardy - Atlantic Coast Mortg...
October 6th, 2025 01:33 PM
I appreciate your feedback on the support you received during the home buying process. I'm glad I could assist you throughout each step. If there's anything else you need or if you'd like further assistance, please feel free to reach out. Thank...
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Smooth process
Reply from Kristi Hardy - Atlantic Coast Mortg...
September 24th, 2025 07:58 PM
I'm glad to hear that your experience was smooth. Thank you for sharing your feedback, and I'm here to help with any future needs.
answering every question and guiding us through the whole process.
Reply from Kristi Hardy - Atlantic Coast Mortg...
September 15th, 2025 02:17 PM
I'm glad to know I could assist you with every question and guide you through the entire process. It's important to me that you felt supported and well-informed during such an important purchase. Thank you for choosing to work with me, and...
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Kristi Hardy and her team - Maggie French and Dana Chapman - were excellent - responsive, knowledgeable and friendly. Great interest rate too!
Reply from Owner
December 17th, 2025 01:25 AM
I appreciate your kind words. It's great to know that you found the team responsive and knowledgeable. I'm also glad that the interest rate met your expectations. Thank you for choosing us, and if you need any assistance in the future, feel...
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Easy process and software.
Kristi and her team (Maggie French and Dana Chapman) are awesome to work with. Friendly, responsive and knowledgeable.
Reply from Kristi Hardy - Atlantic Coast Mortg...
September 9th, 2025 09:25 PM
It's great to know that you found the process easy and the software user-friendly. Working with clients like you makes my job rewarding, and I'm pleased that you felt supported by our team. If there's ever anything more I can do for you, please...
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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)