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
Kristy and her team's personal caring and profedssionalism made every step in the process smooth and easy! Accessible 24/7--always instant response to every question no matter the hour! Never expected instant answers to questions late at night,...
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Reply from Kristi Hardy - Atlantic Coast Mortg...
July 1st, 2025 01:31 PM
I'm thrilled to hear that you found the process smooth and easy with our team. It was a pleasure to assist you, and I appreciate your kind words about our responsiveness and professionalism. Thank you for choosing Atlantic Coast Mortgage for...
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Kristi Hardy - Atlantic Coast Mortgage has received a review with 5 star rating from Colina S
Reply from Owner
January 12th, 2026 08:01 PM
I appreciate your positive rating, Colina. If there's anything more you'd like to discuss or need assistance with, please don't hesitate to reach out.
The constant communication and response time and the feeling that you are a person and not a number
Reply from Kristi Hardy - Atlantic Coast Mortg...
June 30th, 2025 02:31 PM
I'm thrilled to hear that you felt valued and appreciated throughout the process. Ensuring constant communication and timely responses is a top priority for me. Thank you for your kind words and for choosing Atlantic Coast Mortgage.
Kristi Hardy - Atlantic Coast Mortgage has received a review with 5 star rating from Colina S
Reply from Owner
February 4th, 2026 12:00 AM
I appreciate your positive rating, Colina. If there's anything more you'd like to discuss or need assistance with, please don't hesitate to reach out.
Incredible experience with the ACM team. Truly remarkable and professional! Trust me, this is the team you want helping you!
Reply from Owner
December 17th, 2025 01:25 AM
I'm delighted to hear that you had such a positive experience with the team at Atlantic Coast Mortgage. Your trust and recognition of our professionalism mean a lot to me. Thank you for allowing us to assist you!
Excellent communication and incredible customer service making my family and I feel valued and cared for during one of the most important decisions of our life! Incredible performance by the ACM team!
Reply from Kristi Hardy - Atlantic Coast Mortg...
June 27th, 2025 04:35 PM
I'm thrilled to hear that you had such a positive experience with us, Henry. It was a pleasure to assist you and your family during this important decision. Your kind words about our communication and customer service mean a lot to me and the...
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GREAT Communication
Reply from Kristi Hardy
June 27th, 2025 04:36 PM
I'm thrilled to hear that you were satisfied with the communication throughout your home purchase process. It was a pleasure assisting you, Francisco. Thank you for your wonderful feedback and for choosing Atlantic Coast Mortgage.
This being my first experience with a mortgage loan, the people at Atlantic Coast Mortgage, their user friendly dash board, and the informative information sent to the customers at each stage of the process made the process very smooth. I highly...
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Reply from Owner
December 17th, 2025 01:25 AM
Thanks for sharing your experience. I'm glad to hear that the user-friendly dashboard and regular updates made your first mortgage process smooth. It's wonderful to know you felt supported throughout. If you have any further questions or need...
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This being my first experiance with a mortgage loan, the people at Atlantic Coast Mortgage, their user friendly dash board, and the informative information sent to the customers at each stage of the process made the process very smooth. I highly...
read more
Reply from Kristi Hardy - Atlantic Coast Mortg...
June 25th, 2025 01:10 PM
I'm thrilled to hear that your first mortgage experience was smooth and that you found our dashboard and updates helpful. It was a pleasure assisting you with your purchase, and I truly appreciate your high recommendation.
You and your team always make it easy. You give me the confidence and trust needed to move through the process without hesitation and without being disappointe. Thank you for all you do for me.
Reply from Kristi Hardy - Atlantic Coast Mortg...
June 24th, 2025 01:23 PM
I'm thrilled to hear that you had a seamless experience with our team. It's wonderful to know we could provide you with the confidence and trust you needed throughout the process. Thank you for your kind words and for choosing us for your mortgage...
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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)