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 was always a phone call away to answer any question I may have had. Her friendliness and candor made me feel less scared to ask dumb questions, I really recommend her to anyone looking to buy a home!
Reply from Kristi Hardy - Atlantic Coast Mortg...
May 6th, 2025 06:38 PM
I'm thrilled to hear that I could provide the support and clarity you needed during your home buying process. Your recommendation means a lot, and I’m glad I could help make the experience less intimidating. Thank you for your kind words, Bryan!...
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Kristi Hardy - Atlantic Coast Mortgage has received a review with 5 star rating from Andrew T
Reply from Owner
December 17th, 2025 01:26 AM
Thank you, Andrew, for taking the time to leave such a positive review. It's wonderful to hear that your experience was so satisfactory. I'm very grateful for your trust in choosing me to assist with your mortgage needs. Should you have any...
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Extre prompt and precise communicaction. Made a stressful process easy to understand.
Reply from Kristi Hardy - Atlantic Coast Mortg...
May 5th, 2025 05:16 PM
I'm thrilled to hear that my communication helped make the process easier for you. It was a pleasure assisting you with your purchase. Thank you for your kind words and for choosing Atlantic Coast Mortgage.
Too many prepackaged emails - your loan is now this, that and the other, etc. yet very little personal interaction in response to questions. I asked via email why title insurance is required on a co-op as there is no title, per se; the loan...
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Reply from Kristi Hardy
April 28th, 2025 05:47 PM
Hi Paul, thank you for taking the time to share your detailed feedback. I truly appreciate you bringing your experience to our attention. I'm sorry to hear that your experience did not meet your expectations, and I completely understand how...
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Kristi and her entire team always put a "personal touch" in all of their clients. I am a repeat client from a decade ago and I will always be a client for life. I highly recommend their services, professionalism, timely response and communication....
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Reply from Kristi Hardy
May 5th, 2025 05:17 PM
I'm thrilled to hear about your positive experience with our team. It's wonderful to know that our personal touch and professionalism have left such a lasting impression. Thank you for your continued trust and for recommending our services....
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Great team! 🔥
Reply from Owner
December 17th, 2025 01:26 AM
I'm delighted to hear you had a positive experience with my team. Your support means a lot, and I'm here if you ever need anything in the future.
Kristi and her team are fantastic. I can't believe how smooth they make the transaction! I thought buying a home was hard
Reply from Kristi Hardy
May 5th, 2025 05:17 PM
I'm thrilled to hear that your home buying experience was smooth and that our team could assist you effectively. It was a pleasure working with you on your purchase, and I'm delighted we could help make the process easier for you. Thank you...
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Kristi Hardy - Atlantic Coast Mortgage has received a review with 5 star rating from Fatima A
Reply from Owner
December 17th, 2025 01:26 AM
Fatima, thank you for the wonderful feedback! I'm thrilled to know you had such a positive experience. If there's anything else I can assist you with, please don't hesitate to reach out.
Very knowledgeable, quick to respond, went over all options, quick to close
Reply from Kristi Hardy
April 16th, 2025 03:13 PM
I'm thrilled to hear that you found the process knowledgeable and efficient. It was a pleasure assisting you with your purchase, and I'm pleased we could close quickly. Thank you for your kind words, Fatima.
Great communication, willing to help with any and all of the process. process was smooth and enjoyable with no headaches.
Reply from Kristi Hardy
April 16th, 2025 03:14 PM
I'm thrilled to hear that your experience was smooth and enjoyable. Effective communication is a priority for me, and I'm glad I could assist you throughout the process. Thank you for your kind words and trust in 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)