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
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9 AM to 5 PM
Fri
9 AM to 5 PM
Sat
9 AM to 5 PM
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Reviews from Web
It was very personal and every question was answered without judgements. Overall for our first time, it was amazing. Thank you Kristi, Emily, Chris, and Kayla❤️❤️❤️❤️ truly appreciate everything, you all where amazing and made it so super easy....
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Reply from Kristi Hardy - Atlantic Coast Mortg...
August 6th, 2026 02:42 PM
Greggory, I'm so pleased to hear that your first-time experience was positive and that you felt confident throughout the process. It's wonderful to know that Emily, Chris, Kayla, and I could assist you without judgment and make everything easy...
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Make me so happy and if I need to do something again than I will call you, thank you v muc.
Reply from Kristi Hardy - Atlantic Coast Mortg...
July 28th, 2026 05:41 PM
Sultana, I'm happy to hear that you're pleased with the experience. Thank you for your kind words, and I look forward to assisting you again in the future if needed.
Kristi Hardy - Atlantic Coast Mortgage has received a review with 5 star rating from Greg M
Reply from Owner
July 28th, 2026 05:47 PM
Greg, thank you for the great rating! I appreciate your support and am here if you need anything in the future.
The experience with ACM exceeds the scale of this survey--not high enough. I was working with another group that completely failed on delivering service and commitments and almost cost the deal when the seller, righfully, became frustrated...
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Reply from Kristi Hardy - Atlantic Coast Mortg...
July 28th, 2026 05:45 PM
Gregory, I'm truly grateful for your thoughtful review. It's wonderful to hear that we could turn things around and help you close in such a short timeframe. Working alongside Ricky to ensure a smooth process was our pleasure. Thank you for...
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Thank you for your help
Reply from Kristi Hardy - Atlantic Coast Mortg...
July 28th, 2026 05:46 PM
Shayan, I'm pleased I could assist you. If you have any further questions or need assistance in the future, please feel free to reach out.
I sincerely appreciated the proactive, professional, and highly knowledgeable support I received during the loan/house purchase process. Kristi and her team made my experience a smooth one and were quick to respond to my questions. Thank you...
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Reply from Owner
July 28th, 2026 05:46 PM
Phil, I'm grateful for your kind words about your experience with me and my team. I'm pleased to hear that our proactive support and quick responses made the loan process smooth for you. Thank you for choosing Team Hardy for your mortgage needs!...
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I sincerely appreciated the proactive, professional, and highly knowledgeable support I received during the loan/house purchase process. Kristi and her team made my experience a smooth one and were quick to respond to my questions. Thank you...
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Reply from Kristi Hardy - Atlantic Coast Mortg...
July 15th, 2026 07:20 PM
Philip, I'm thankful for your kind words and happy to hear that you found my support proactive and professional. It's great to know that the process went smoothly and that we could promptly address your questions. Thank you for choosing Team...
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I'd rather not
Reply from Kristi Hardy - Atlantic Coast Mortg...
July 9th, 2026 11:38 PM
Eric, I appreciate your feedback and understand that experiences can vary. If there's anything specific you'd like to discuss or any way I can assist further, please feel free to reach out to me directly.
We had a great experience with Atlantic Coast Mortgage while buying our home in Ashburn, VA. Since ACM is local, we had the opportunity to work with Kristi and her amazing team. They guided us through the entire process, helped us lock in a...
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Reply from Owner
August 16th, 2026 03:46 PM
Lahari, I'm so pleased you had a great experience with us at Atlantic Coast Mortgage. Guiding you through the process and helping to secure a great interest rate was our pleasure. Thank you for recommending me and my team!
We had a great experience with Atlantic Coast Mortgage! The entire team made the home loan process smooth and easy, and they helped us secure a fantastic interest rate. They were always professional, and happy to answer our questions. We truly...
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Reply from Kristi Hardy - Atlantic Coast Mortg...
July 6th, 2026 01:15 PM
Lahari, I'm glad to hear that you had a great experience with Atlantic Coast Mortgage. It's wonderful to know that the process was smooth and you were satisfied with the interest rate. Thank you for your kind words and for recommending us to...
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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)