

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
Kristi and the entire team were very responsive to our needs. Their communication is exceptional! I would highly recommend them!
Reply from Kristi Hardy
September 20th, 2024 01:21 PM
I'm incredibly grateful for your kind words, Andrea! It's so rewarding to know that our efforts to communicate effectively and respond to your needs were appreciated. It was a pleasure to assist with your purchase and your recommendation means...
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Atlantic Coast Mortgage has a great automated portal, which was good at keeping us updated about our progress. And in addition to that, ACM folks were in constant contact with us about what we still needed to do, what requirements still need...
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Reply from Owner
September 20th, 2024 01:22 PM
Hi Eli, I'm so glad to hear that you found our automated portal helpful and that our team was able to assist in keeping you updated and stress-free throughout the home-buying process. It's important to us at Atlantic Coast Mortgage that our...
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I liked the automated portal, which was good at keeping us updated about our progress. And in addition to that, ACM folks like Dana Chapman, Christopher Glazewski, and Kristi Hardy were in constant contact with us about what we still needed...
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Reply from Kristi Hardy
September 16th, 2024 04:10 PM
I'm thrilled to hear that our automated portal and constant communication helped alleviate some of the stress of the home-buying process for you, Eli. That's exactly what we aim for - making your journey as smooth as possible. It was a pleasure...
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Constant and clear communication. Made the process easy for a first time buyer like me!
Reply from Kristi Hardy
September 8th, 2024 03:32 PM
I'm thrilled to hear that you had a positive experience, Jaime! Clear communication is key, especially when it comes to navigating the process as a first time buyer. I'm glad I could make it easy for you. Thank you for the kind review and the...
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No hidden fee
Reply from Kristi Hardy
September 5th, 2024 01:04 PM
I'm thrilled to hear that you had a positive experience with your home purchase, Tieren. Transparency is key in our business at Atlantic Coast Mortgage, and I always aim to ensure there are no hidden fees. Your 5-star rating means a lot to...
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Kristi is a Rockstar. Full stop! Although she was not personally gathering and processing my documents, she made sure to keep me updated, provided GREAT counseling, and had me motivated all the way to closing. Kristi is honestly the ONLY reason...
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Reply from Owner
September 8th, 2024 03:33 PM
Hi Lou, I am thrilled to hear such wonderful feedback! Your praises warm my heart and motivate me to strive harder for all of my clients. Thank you for recognizing the passion I put into my work, it truly means a lot. It's customers like you,...
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Kristi is a Rockstar. Full stop! Although she was not personally gathering and processing my documents, she made sure to keep me updated, provided GREAT counseling, and had me motivated all the way to closing. Kristi is honestly the ONLY reason...
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Reply from Kristi Hardy
September 4th, 2024 08:34 PM
Hey Loubens, Thank you so much for your glowing review! I'm thrilled to hear that you felt supported and motivated throughout the process. Your kind words mean the world to me and my team. Also, I'm glad my "charismatic aggressiveness" came...
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Kristi is a Rockstar. Full stop! Although she was not personally gathering and processing my documents, she made sure to keep me updated, provided GREAT counseling, and had me motivated all the way to closing. Kristi is honestly the ONLY reason...
read more
Reply from Owner
July 6th, 2025 12:00 AM
Hi Lou, I am thrilled to hear such wonderful feedback! Your praises warm my heart and motivate me to strive harder for all of my clients. Thank you for recognizing the passion I put into my work, it truly means a lot. It's customers like you,...
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Communication, communication, communication everything was great no complaints , worry free and always answered my questions
Reply from Kristi Hardy
September 4th, 2024 08:35 PM
I'm thrilled to hear that you had a positive experience with Atlantic Coast Mortgage, David! Communication is key in our line of work, so I'm glad that you felt informed and worry-free throughout the entire process. I'm here to answer any questions...
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Thank you for support
Reply from Kristi Hardy
September 4th, 2024 08:35 PM
I'm delighted to hear that you felt supported throughout your loan purchase process, Abdoul. At Atlantic Coast Mortgage, we strive to provide the best service and it sounds like your experience reflected just that. Your positive feedback means...
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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)