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
Easy straightforward support thru the mortgage process
Reply from Owner
December 17th, 2025 01:26 AM
Jerry, thanks so much! I really appreciate you taking the time to leave such a positive review. It was a pleasure working with you, and I'm so glad I could make the mortgage process smooth and easy. Hoping you're settling in nicely!
Easy straightforward support thru the mortgage proces.
Reply from Kristi Hardy
February 3rd, 2025 07:45 PM
Gerald, it was a true pleasure working with you on your home purchase! I'm so glad I could make the mortgage process easy and straightforward. It means a lot to me that you took the time to share your experience. Helping my clients achieve...
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your attention to detail and an easy process. Thank you
Reply from Kristi Hardy
February 3rd, 2025 07:45 PM
Liliane, thank you so much for the kind words. I’m so glad I could make the process easy for you and that my attention to detail was helpful. It was a pleasure working with you on your home purchase.
Thank you for being there through the process you made it easy. Very helpful, kind, nice, great team to work with.
Reply from Owner
December 17th, 2025 01:26 AM
Sandy, your kind words truly mean the world to me! It was an absolute pleasure working with you and I'm so glad I could help make the process smooth and easy. We truly appreciate you choosing Atlantic Coast Mortgage and trusting us with such...
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Very friendly staff, helpful and easy to do the forms. Loved the experience.
Reply from Kristi Hardy
February 3rd, 2025 07:46 PM
Thank you so much, Sandra! I really appreciate you taking the time to share your experience. I'm so glad to hear everything went smoothly and that you enjoyed working with us at Atlantic Coast Mortgage. Making the process easy and stress-free...
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Thank you for all the help and support with this process. Kristi and Dana were always available to answer my questions! Excellent team.
Reply from Kristi Hardy
February 3rd, 2025 07:49 PM
Ereydi, it was an absolute pleasure working with you on your home purchase! I'm so happy Dana and I could provide the support and answers you needed throughout the process. Hearing that we made it a positive experience truly means a lot to...
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Kristi and the rest of the team are fantastic!!! 5 stars is not enough. They made my first time homebuying experience smooth and simple. Everybody is friendly and always willing to explain whatever you don’t understand. I would recommend them...
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Reply from Kristi Hardy
February 13th, 2025 05:10 PM
Thank you so much, Brittany! I'm thrilled to hear that you had such a positive experience with us at Atlantic Coast Mortgage. It was truly my pleasure to help guide you through your first homebuying journey. We strive to make the process as...
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Kristi and the rest of the team are fantastic!!! 5 stars is not enough. They made my first time homebuying experience smooth and simple. Everybody is friendly and always willing to explain whatever you don’t understand. I would recommend them...
read more
Reply from Owner
December 17th, 2025 01:26 AM
Brittany, thank you so much for your kind words! It was a true pleasure working with you on your first home purchase. Making the process smooth and easy is always my goal, and I'm so glad to hear we achieved that for you. I appreciate you taking...
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I truly enjoyed working with the Atlantic Coast Mortgage team!! Everybody was very friendly and knowledgeable. They made my first time home buying experience smooth and simple. Anything I didn't understand, they were more than willing to explain....
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Reply from Kristi Hardy
January 23rd, 2025 05:46 PM
Brittany, thank you for such a glowing review! It was a pleasure to help you navigate your first home buying experience. We at Atlantic Coast Mortgage pride ourselves on making the mortgage process as transparent and understandable as possible....
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Kristi and Maggie were always available to answer my questions. I was able to call and email them and they always answered. As a first time home-buyer, they were very knowledgeable and patient with us through all the questions and uncertainty...
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Reply from Kristi Hardy
February 13th, 2025 05:11 PM
Alyson, thank you so much for your kind words and for trusting us with your first home purchase. I'm thrilled to hear that you felt supported throughout the process. Maggie and I are always here to help, and it was a pleasure working with 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)