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
Mon
9 AM to 5 PM(Open now)
Tues
9 AM to 5 PM
Wed
9 AM to 5 PM
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Reviews from Web
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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The team is always well spoken, nice and humble.
I don't have words to describe them .
Thank you so much
Reply from Kristi Hardy - Atlantic Coast Mortg...
May 31st, 2025 06:27 PM
I'm thrilled to hear that you had such a positive experience with our team at Atlantic Coast Mortgage. It was a pleasure assisting you with your purchase, and I truly appreciate your kind words. Thank you for choosing us!
All of your team including you were very prompt and professional in response
Reply from Kristi Hardy - Atlantic Coast Mortg...
May 28th, 2025 10:41 AM
I'm pleased to hear that you found our team prompt and professional throughout your home purchase process. It was a pleasure assisting you, and we appreciate your feedback. If there's anything more we can do for you, please feel free to let...
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We had a great experience! Everyone is very helpful and communication was amazing. Throughout the whole process they have been having our back and helping us with all the questions we have. They are always on top of everything. Thank you so...
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Reply from Owner
December 17th, 2025 01:25 AM
I'm thrilled to hear about your great experience and that the communication met your expectations. It was a pleasure assisting you throughout the process, and I'm glad we could help with all your questions. Thank you for your kind words!
Everyone was helpuful throughout the process. i really appreciate all the hard work. Thank you all.
Reply from Kristi Hardy - Atlantic Coast Mortg...
May 28th, 2025 10:42 AM
I'm thrilled to hear that you found the process helpful and that our team's hard work met your expectations. It was a pleasure assisting you with your home purchase. Thank you for your kind words and trust in Atlantic Coast Mortgage.
This is the fourth time I have used The Hardy team to purchase/refi a home. They are truly the best in the business at understanding, calming, and knowing exactly what to do to get the job done! The entire team is willing to go anove and beyond...
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Reply from Kristi Hardy - Atlantic Coast Mortg...
May 20th, 2025 06:54 PM
I'm thrilled to hear about your continued trust in The Hardy team for your home purchase and refinancing needs. It's wonderful to know that our efforts to provide a seamless process have made a positive impact. Thank you for your kind words...
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Kristi was very accommodating to my needs and found a loan with excellent terms. After I applied for the loan, she was on top of things and kept me informed of the progress/status. When in underwriting, there were many requests for various...
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Reply from Owner
December 17th, 2025 01:25 AM
I'm thrilled to hear that you were satisfied with the loan process and that the loan portal met your needs efficiently. I am glad I could accommodate your needs and keep you informed throughout. Thank you for your positive feedback and for...
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Kristi was very accomodating to my needs and found a loan with excellent terms. After I applied for the loan, she was on top of things and kept me informed of the progress/status. When in underwriting, there were many requests for various documents...
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Reply from Kristi Hardy - Atlantic Coast Mortg...
May 12th, 2025 02:26 PM
I'm thrilled to hear that you were satisfied with the loan terms and that the process went smoothly. It was a pleasure to assist you and keep you informed throughout the process. Thank you for your kind words about the loan portal as well....
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Great communication
Reply from Kristi Hardy - Atlantic Coast Mortg...
May 9th, 2025 11:27 AM
I'm pleased to hear that you were satisfied with the communication throughout your purchase process. Thank you for choosing Atlantic Coast Mortgage. If you have any further questions or need assistance, please feel free to reach out.
Everyone was professiona, friendly, and attentive!
Reply from Kristi Hardy - Atlantic Coast Mortg...
May 8th, 2025 01:25 PM
Thank you for your review, Lindsey. I'm thrilled to hear that you found our team professional, friendly, and attentive. It was a pleasure assisting you with your purchase, and we appreciate your kind words.
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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)