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(Open now)
Sat
9 AM to 5 PM
Sun
9 AM to 5 PM
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Reviews from Web
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.
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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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)