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
Fri
9 AM to 5 PM
Sat
9 AM to 5 PM
Sun
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 Amanda M
Reply from Owner
December 17th, 2025 01:25 AM
Thank you, Amanda, for the 5-star rating. I’m glad to know that your experience was positive. If there's ever anything more you need, feel free to reach out.
Kristy, Dana, and the entire team at Atlantic Coast not only helped me through the approval process for my mortgage, they were with me every step of the way—providing clear guidance, timely updates, and answering any (and all!) questions I...
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Reply from Kristi Hardy - Atlantic Coast Mortg...
September 6th, 2025 08:56 PM
I'm so pleased to know that you had a positive experience with your mortgage process, Amanda. It’s rewarding to hear that the guidance and responsiveness provided were helpful to you. Ensuring my clients feel supported and informed every step...
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Team was very responsive. Every time they asked for something I gave it right back and they pushed it along very quickly from their side. They got me to close very quickly, and that was much appreciated.
Reply from Kristi Hardy - Atlantic Coast Mortg...
August 31st, 2025 12:25 PM
I'm glad to hear that the process felt quick and responsive for you. Efficiently moving through the necessary steps and getting you to closing promptly is something I strive for. Your cooperation played a big part in keeping things on track,...
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Our lending team was amazing to work with! From the very beginning they made us feel comfortable and supported through the whole mortgage process. Every question we had (and there were a lot!) was answered quickly and clearly, and they always...
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Reply from Kristi Hardy - Atlantic Coast Mortg...
August 31st, 2025 12:26 PM
I'm truly delighted to hear that you felt comfortable and supported throughout the mortgage process. It's great to know that my approach helped ease the stress and make your experience an enjoyable one. Answering your questions promptly and...
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Ease of use of the portal and application
Reply from Kristi Hardy
August 31st, 2025 12:27 PM
I'm glad to hear that you found the portal and application process easy to use. Streamlining this experience for my clients is a priority, and I'm pleased it was helpful for you. If you have any further questions or need assistance in the future,...
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personal and hands on . Was very personal and attentive through whole process.
Reply from Kristi Hardy
August 31st, 2025 12:27 PM
I appreciate you sharing your thoughts on your experience. Providing a personal and hands-on approach is something I strive for with each client. I'm glad to hear that you felt well taken care of throughout the process. If you have any further...
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We had the most interaction with Maggie French who was always extremely patient, prompt and pleasant. Maggie deserves a raise! :-)
Reply from Kristi Hardy - Atlantic Coast Mortg...
August 12th, 2025 02:45 PM
I'm glad to hear that you had such positive interactions with Maggie. It's wonderful to know that she was able to provide you with the patience and promptness you valued. I'll be sure to pass your kind words on to her, as it's always encouraging...
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Extremely prompt responses, and informative.
Reply from Kristi Hardy - Atlantic Coast Mortg...
August 12th, 2025 02:45 PM
I'm really pleased to know that you found my responses prompt and informative. Ensuring that you have all the information you need quickly is one of my top priorities. Thank you for your feedback, Erick, and I'm glad I could assist with your...
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Kristi Hardy - Atlantic Coast Mortgage has received a review with 5 star rating from Hideki S
Reply from Owner
December 17th, 2025 01:25 AM
Hi Hideki, I'm really happy to know that you had such a positive experience working with me. It's important to me that the mortgage process feels straightforward and stress-free, and I'm glad that was the case for you. If there's anything else...
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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)