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
Kristi was always available to take my calls and was very knowlegable and helpful. Our loan was a special case and Team Hardy came through, and we were able to close on time!
Reply from Kristi Hardy
November 3rd, 2026 04:51 PM
Amanda, I'm pleased to know that I was able to be available and helpful for your loan process. At Atlantic Coast Mortgage, we strive to handle special cases efficiently, and I'm glad Team Hardy could assist in closing on time.
Thanks for all your he
Reply from Kristi Hardy - Atlantic Coast Mortg...
October 16th, 2026 12:55 PM
Mary, I'm glad to have been able to help you with your purchase. Working with you and the team at Atlantic Coast Mortgage was a pleasure.
Kristi Hardy - Atlantic Coast Mortgage has received a review with 5 star rating from Hoang T
Reply from Owner
October 16th, 2026 12:55 PM
Hoang, thank you for the great rating! I'm glad you had a positive experience with Atlantic Coast Mortgage.
Detail, accurate and frien service
Reply from Kristi Hardy - Atlantic Coast Mortg...
October 13th, 2026 03:54 PM
Hoang, I'm so pleased to know you appreciated the detail and friendly service during your experience with me at Atlantic Coast Mortgage. It was a pleasure assisting you, and I'm glad I could support you throughout the process.
Kristi Hardy - Atlantic Coast Mortgage has received a review with 5 star rating from Dima S
Reply from Owner
October 13th, 2026 03:54 PM
Dima, thank you for the excellent rating! I'm so pleased that your experience with Atlantic Coast Mortgage was a positive one.
Great experience with Kristy and the entire team!
Reply from Kristi Hardy - Atlantic Coast Mortg...
October 12th, 2026 02:18 PM
Dzmitry, I'm pleased to hear that you had a great experience with me and the team at Atlantic Coast Mortgage. It was a pleasure assisting you with your purchase.
The team walked me through each step to home ownership.
Reply from Kristi Hardy - Atlantic Coast Mortg...
October 12th, 2026 02:18 PM
Scott, I'm happy to hear that the team and I were able to guide you through each step to home ownership. At Atlantic Coast Mortgage, we strive to make the process as seamless as possible.
They were such a wonderful company to work with and made the whole process for a convenient and easy.
Reply from Owner
October 12th, 2026 02:19 PM
Ian, I'm pleased to hear that you found working with Atlantic Coast Mortgage to be convenient and easy. It was great to assist you through the process.
Everybody I dealt with had great communication and walked me through the whole process
Reply from Kristi Hardy - Atlantic Coast Mortg...
September 28th, 2026 06:16 PM
I'm glad to hear that you appreciated the communication and guidance you received throughout the process, Ian. It was my pleasure to work with you and the team at Atlantic Coast Mortgage to ensure everything went smoothly.
helpful, supportive, respnsive, understanding, respectful, friendly throughout the process!
Reply from Kristi Hardy
September 28th, 2026 06:16 PM
Pamela, I'm grateful for your kind words and am glad to hear that you found the process helpful and supportive. At Atlantic Coast Mortgage, being responsive, understanding, and friendly is something I strive for with every client. Thank you...
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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)