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
A first class team providing top tier service in the mortgage lending industry. I would recommend that everyone should check them out for your home buying needs if you want the best.
Reply from Owner
December 17th, 2025 01:25 AM
Thank you so much, Jason. I'm really pleased to hear that you found the service top tier. It means a lot to know that you’d recommend others to us for their home buying needs. If there's anything else I can do for you, please feel free to reach...
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From start to finish, the communication around the step by step process of buying a home- from house tours to closing was fantastic.
Reply from Kristi Hardy - Atlantic Coast Mortg...
June 22nd, 2025 03:31 PM
I'm thrilled to hear that you found the communication throughout your home-buying process to be fantastic. It was a pleasure assisting you with this important purchase, and I appreciate your kind words.
Kristi Hardy - Atlantic Coast Mortgage has received a review with 5 star rating from Tensae A
Reply from Owner
December 17th, 2025 01:25 AM
Tensae, thank you so much for your kind review. I'm delighted to know that your experience was a positive one. It’s incredibly rewarding to hear that I could support you effectively through your mortgage journey. Your trust means a lot, and...
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excellent!
Reply from Kristi Hardy - Atlantic Coast Mortg...
June 22nd, 2025 12:05 PM
I'm thrilled to hear that you had an excellent experience with your purchase loan process. Thank you for your kind words and for choosing Atlantic Coast Mortgage.
She was very knowledgeable about all aspects
the home-buying process, answered inquiries quickly, by phone or email. She was positive and showed optimism as we worked together.
Reply from Kristi Hardy - Atlantic Coast Mortg...
June 19th, 2025 11:13 AM
I'm glad to hear that my knowledge and responsiveness helped make your home-buying process smooth. It was a pleasure working with you, and I appreciate your kind words.
Kristi Hardy - Atlantic Coast Mortgage has received a review with 5 star rating from Shawn M B
Reply from Owner
December 17th, 2025 01:25 AM
Shawn, I truly appreciate your kind feedback. It's wonderful to hear you had a positive experience with Atlantic Coast Mortgage. Providing a seamless and informative process is always my goal, and I'm glad that came through in your experience....
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Great and timely communication! Thanks so much for making it all less stressful.
Reply from Kristi Hardy - Atlantic Coast Mortg...
June 17th, 2025 11:16 PM
I'm thrilled to hear that the communication was effective and that the process felt less stressful for you. It was a pleasure assisting you with your cash-out refinance. Thank you for your feedback, Shawn!
Kristi, Maggie and Chris were extremely responsive, solution-oriented, transparent and absolutely fantastic throughout the entire process!
Reply from Kristi Hardy - Atlantic Coast Mortg...
June 5th, 2025 06:00 PM
I'm thrilled to hear that you had a fantastic experience with our team, including Maggie and Chris. It was a pleasure assisting you throughout the process. Thank you for your kind words and for choosing Atlantic Coast Mortgage for your purchase....
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Quick response times and clear pathway. Great insight as well when it came to timing interest rates and other information
Reply from Kristi Hardy - Atlantic Coast Mortg...
June 3rd, 2025 11:53 PM
I'm thrilled to hear that you appreciated the quick response times and clear guidance throughout the process. Providing insight on timing interest rates and other important details is something I prioritize. Thank you for choosing Atlantic...
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Kristi and her team are truly outstanding—efficient, proactive, and unwaveringly supportive. Their communication is consistently clear, timely, and thorough, making the entire process seamless from start to finish. The platform for uploading...
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Reply from Owner
December 17th, 2025 01:25 AM
Thank you, Matt, for your wonderful feedback. I'm thrilled to hear that you found our team's support and communication effective throughout the process. Your recommendation means a lot to us, and we are grateful for the opportunity 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)