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
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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
From our first conversation to the closing day, the entire process was incredibly smooth. Kristi maintained excellent communication, keeping us informed and answering all of our questions quickly and clearly.
Reply from Kristi Hardy - Atlantic Coast Mortg...
August 5th, 2025 12:36 PM
I'm grateful to hear that your experience from start to finish was smooth. Maintaining clear and quick communication is something I prioritize, so it’s wonderful to know that it made a difference for you. Thank you for trusting me with your...
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We appreciated Kristy Hardy and her team engaging with us in a supportive manner as repeat mortgage clients. They were prompt with responses to our questions and guifing guiding us through the extensive process.
Reply from Kristi Hardy - Atlantic Coast Mortg...
July 29th, 2025 12:33 PM
Thank you for taking the time to share your experience. I'm pleased to hear that you felt supported throughout the mortgage process. It's important to me that my clients feel guided and that their questions are answered promptly. I appreciate...
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Kristi made it great
Reply from Kristi Hardy - Atlantic Coast Mortg...
July 21st, 2025 05:43 PM
I'm glad to hear that your experience was a positive one, Stanford. Making your journey smooth and enjoyable is important to me. If there's anything further you'd like to share or if you need assistance in the future, I'm here to help.
Kristi Hardy - Atlantic Coast Mortgage has received a review with 5 star rating from Shane D
Reply from Owner
December 17th, 2025 01:25 AM
Thank you, Shane, for your kind words. It's truly rewarding to know that your experience was a great one. I take pride in making the mortgage process as smooth and straightforward as possible, and I'm glad it resonated with you. If you have...
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Well truthfully there was a hiccup at closing that was really nobodies fault but Kristi,Dana and the whole team got together came up with a solution extremely fast and made up for it in every way even cut us a break we are more then happy thanks...
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Reply from Kristi Hardy - Atlantic Coast Mortg...
July 18th, 2025 01:28 PM
I'm grateful for your understanding and patience during the closing process. It's wonderful to hear that Dana and I, along with the team, were able to resolve the hiccup swiftly and meet your expectations. Your happiness with our service is...
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Kristi Hardy - Atlantic Coast Mortgage has received a review with 5 star rating from Cassie C
Reply from Owner
December 17th, 2025 01:25 AM
Cassie, I am truly grateful for your generous feedback and the perfect rating. It means a lot to know you had a positive experience. Thank you for choosing to work with me and Atlantic Coast Mortgage. If there's anything more I can do for you,...
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Kristi and team were so incredibly helpful and truly walked me through every step of the process. I felt so informed the entire way through and had such a smooth experience. Thank you endlessly!!
Reply from Kristi Hardy - Atlantic Coast Mortg...
July 3rd, 2025 05:24 PM
I'm thrilled to hear that you had such a smooth experience with your purchase loan. It was a pleasure assisting you, and I'm glad that you felt well-informed throughout the process. Thank you for your kind words and for choosing Atlantic Coast...
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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.
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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)