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(Open now)
Sat
9 AM to 5 PM
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Reviews from Web
Kristi Hardy - Atlantic Coast Mortgage has received a review with 5 star rating from Jose H
Reply from Owner
December 17th, 2025 01:26 AM
Thank you so much for your kind words, Jose. It means a lot to know that your experience was a great one. I'm always here to support you, so if there's anything else I can assist with now or down the line, don't hesitate to reach out.
Kristi Hardy - Atlantic Coast Mortgage has received a review with 5 star rating from Lurayhikers
Reply from Owner
December 17th, 2025 01:26 AM
Thank you so much for your kind words, Jose. It means a lot to know that your experience was a great one. I'm always here to support you, so if there's anything else I can assist with now or down the line, don't hesitate to reach out.
Kristy and her team are know their field well. We had some obtacles but they knew exactly what to do. These ladies are awesome, well done and thank you again!
Reply from Kristi Hardy
March 3rd, 2025 06:47 PM
Jose, thank you so much for your kind words! It was a pleasure working with you and helping you navigate through those obstacles. My team and I are thrilled to hear that you had a positive experience with us. If you ever need anything in the...
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Kristi Hardy is very professional . She kept us updated with every step and was very responsive with all of our questions or concerns. She helped us to find our home. We are very sarisfied and highly recommend working with her!
Reply from Owner
December 17th, 2025 01:26 AM
Thank you so much, Noeline! I'm thrilled to hear that you felt well-informed and supported throughout the process. Helping you find your home was a pleasure, and I'm glad to know you are satisfied with the experience. Your recommendation means...
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Kristi Hardy - Atlantic Coast Mortgage has received a review with 5 star rating from Jennifer U
Reply from Owner
December 17th, 2025 01:26 AM
Thank you so much, Jennifer, for your kind words and the perfect rating. I'm truly pleased to know that your experience went smoothly. It's important to me that every step of the process meets your expectations. Should you have any questions...
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THEY ARE THE BEST!!!!! I HAD THE BEST EXPEREINCE WITH THEM!!! VERY HELPFUL . I WOULD DEFITENLY CHOOSE THEM AGAIN. THAY AR E ON TOP OF THINGS & FAST!
Reply from Kristi Hardy
February 21st, 2025 07:57 PM
Jennifer, thank you so much for your amazing review! I'm thrilled to hear that you had such a positive experience with us at Atlantic Coast Mortgage. It was truly a pleasure assisting you with your home purchase, and I’m glad we could meet...
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Kristi was very helpufull with everything and solved our problems many times. She is kind and very professional!
Reply from Kristi Hardy
February 21st, 2025 04:16 PM
Thank you so much, Noeline! I'm thrilled to hear that you found my support helpful and that I was able to assist with any challenges along the way. It was a pleasure working with you on your home purchase. Your kind words and recognition of...
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Kristi Hardy - Atlantic Coast Mortgage has received a review with 5 star rating from Ms T
Reply from Kristi Hardy
February 3rd, 2025 07:44 PM
Thank you so much for this wonderful review! It truly means a lot to me. I'm so happy I could help you navigate the mortgage process and make it a smooth and stress-free experience. That's always my goal. Knowing I succeeded with you is the...
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Kristi and her team were always readily available for things that came up that were urgent. There was never a long wait time for anything. They were very communicative, pleasant, and hard-working! I would absolutely recommend Kristi and her...
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Reply from Kristi Hardy
February 13th, 2025 05:09 PM
Thank you so much, Ruth! I'm thrilled to hear that you had a great experience with us. My team and I strive to be as responsive and supportive as possible, especially when things get urgent. It means a lot to know that our communication and...
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Kristi and her team were awesome to work with. They keep you updated and informed at each step, and made the process very easy. I highly recommend her and her team!
Reply from Owner
January 6th, 2026 12:00 AM
Costa, your kind words absolutely made my day! It was a genuine pleasure working with you throughout the entire mortgage process. I'm so thrilled we were able to secure the perfect loan to fit your needs and make your homeownership dreams a...
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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)