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
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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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.
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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)