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 and her team were great to work with. They were very responsive regardless of the time of day. This type of assistance eased the stress of home buying. I highly recommend thier services!
Kristi and her team were great to work with. They were very responsive regardless of the time of day. This type of assistance eased the stress of home buying. I highly recommend thier services!
Reply from Kristi Hardy
February 3rd, 2025 07:35 PM
Wow, Bernard, your review absolutely made my day! It's incredibly rewarding to hear that our efforts made your home buying experience less stressful. We really strive to be available and responsive, so knowing we achieved that with you and...
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Kristi and her team were great to work with. They were very responsive regardless of the time of day. This type of assistance eased the stress of home buying. I highly recommend thier services!
Reply from Kristi Hardy
February 13th, 2025 05:10 PM
Bernard, thank you so much for your kind words! I'm thrilled to hear that you had a positive experience with us. My team and I always strive to be as responsive as possible to make the home-buying process smoother for our clients. It means...
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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
December 17th, 2025 01:26 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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Reply from Kristi Hardy
February 3rd, 2025 07:41 PM
Constantine, your review code doesn't really tell me anything about your experience, but I'm so glad to see those 5 stars! I really appreciate you taking the time to leave feedback, and I hope the home buying process was smooth and enjoyable....
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Kristi Hardy - Atlantic Coast Mortgage has received a review with 5 star rating from Ms. T H
The ability to realize our circumstances and empathize with our needs.
Reply from Kristi Hardy
February 3rd, 2025 07:44 PM
Tanya's review truly captures what I strive for in every client interaction. Understanding individual circumstances and offering empathetic support throughout the mortgage process is so important to me. I'm incredibly grateful that she felt...
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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.
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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)