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
View All days
Search Reviews
Search
Write a Review
Overall Ratings
Filter by Date
Range
Filter by Rating
Reviews from Web
Extremely responsive and personable!
Reply from Kristi Hardy
September 28th, 2026 06:17 PM
I'm happy to hear that you found me responsive and personable, Tabitha. At Atlantic Coast Mortgage, providing a positive experience is important to me.
A realistic up front description of exactly what is required to gain approval for the loan. Also, since our loan is a recast loan, the actual requirement for the recast. To this day we still don't know exactly what the terms for recast are....
read more
Reply from Kristi Hardy - Atlantic Coast Mortg...
September 10th, 2026 07:36 AM
Alan, thank you for sharing your feedback. I apologize for the confusion regarding the terms of your recast loan and the lack of response to inquiries. The recast terms will be dependent upon which lender services your loan. We will make sure...
read more
The team made the whole process very convenient and the communication and the speed of which we got answers and responses back was excellent.
Reply from Kristi Hardy
September 10th, 2026 07:37 AM
Addison, I'm pleased to know that you found the process convenient and appreciated the communication and speed of responses. It's important to me to provide a seamless experience, and your feedback is greatly valued.
mortgage was able to accommodate a quick closing. They were very responsive and had excellent communication. Very polite and pleasant, hard-working team!
Reply from Kristi Hardy - Atlantic Coast Mortg...
August 16th, 2026 03:46 PM
Christian, I'm glad to hear that you found our team responsive and communicative during your mortgage process. We always aim to be accommodating and pleasant, so it's great to know we met your expectations. Thank you for sharing your positive...
read more
Easy access to them when I needed. And courteous responses.
Reply from Kristi Hardy - Atlantic Coast Mortg...
August 6th, 2026 02:42 PM
Md, I'm glad to hear that you found it easy to reach out to us and appreciated the courteous responses. Your satisfaction is important to me, and I'm here if you need any further assistance in the future.
Absolutely an amazing team of people🥰Thank you for giving us a smooth and easy experience. Definitely recommend Kristi and her team for all your mortgage needs✌️💛
Reply from Owner
August 16th, 2026 03:45 PM
Abbigail, I appreciate your kind words about my team and me. I'm glad we could provide you with a smooth and easy experience. Thank you for recommending us for mortgage needs!
It was very personal and every question was answered without judgements. Overall for our first time, it was amazing. Thank you Kristi, Emily, Chris, and Kayla❤️❤️❤️❤️ truly appreciate everything, you all where amazing and made it so super easy....
read more
Reply from Kristi Hardy - Atlantic Coast Mortg...
August 6th, 2026 02:42 PM
Greggory, I'm so pleased to hear that your first-time experience was positive and that you felt confident throughout the process. It's wonderful to know that Emily, Chris, Kayla, and I could assist you without judgment and make everything easy...
read more
Make me so happy and if I need to do something again than I will call you, thank you v muc.
Reply from Kristi Hardy - Atlantic Coast Mortg...
July 28th, 2026 05:41 PM
Sultana, I'm happy to hear that you're pleased with the experience. Thank you for your kind words, and I look forward to assisting you again in the future if needed.
Kristi Hardy - Atlantic Coast Mortgage has received a review with 5 star rating from Greg M
Reply from Owner
July 28th, 2026 05:47 PM
Greg, thank you for the great rating! I appreciate your support and am here if you need anything in the future.
The experience with ACM exceeds the scale of this survey--not high enough. I was working with another group that completely failed on delivering service and commitments and almost cost the deal when the seller, righfully, became frustrated...
read more
Reply from Kristi Hardy - Atlantic Coast Mortg...
July 28th, 2026 05:45 PM
Gregory, I'm truly grateful for your thoughtful review. It's wonderful to hear that we could turn things around and help you close in such a short timeframe. Working alongside Ricky to ensure a smooth process was our pleasure. Thank you for...
read more
21–30 of 1296
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
View All
Search Rank ScoreLearn More →
What is the Search Rank Score®?
Experience.com’s Search Rank Score measures a professional’s online search visibility across hundreds of key SEO attributes.
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
View All
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)