Kristi Hardy - Atlantic Coast Mortgage's Cover Image
Kristi Hardy - Atlantic Coast Mortgage - EVP | Area Manager | Sr. Loan Officer | NMLS ID #194938 in Fairfax, VA

Kristi Hardy - Atlantic Coast Mortgage

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EVP | Area Manager | Sr. Loan Officer | NMLS ID #1...

Fairfax
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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
Mortgage
Mortgage Loan Officer
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Contact Info
(571) 246-6767
Fairfax, VA
https://www.atlanticcoastmortgage.com/loan-officer/kristi-hardy/
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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5 Star
95%
4 Star
4%
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Reviews from Web
  • SFTP
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    Shayan J
    SHEPHERDSTOWN, WV
    Posted on July 18th, 2026 05:56 PM
    Thank you for your help
    Reply from Kristi Hardy - Atlantic Coast Mortg...
    July 28th, 2026 05:46 PM
    Shayan, I'm pleased I could assist you. If you have any further questions or need assistance in the future, please feel free to reach out.
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    Phil V
    Posted on July 15th, 2026 05:40 PM
    I sincerely appreciated the proactive, professional, and highly knowledgeable support I received during the loan/house purchase process. Kristi and her team made my experience a smooth one and were quick to respond to my questions. Thank you...
    read more
    Reply from Owner
    July 28th, 2026 05:46 PM
    Phil, I'm grateful for your kind words about your experience with me and my team. I'm pleased to hear that our proactive support and quick responses made the loan process smooth for you. Thank you for choosing Team Hardy for your mortgage needs!...
    read more
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    Philip V
    Round Hill, VA
    Posted on July 15th, 2026 05:40 PM
    I sincerely appreciated the proactive, professional, and highly knowledgeable support I received during the loan/house purchase process. Kristi and her team made my experience a smooth one and were quick to respond to my questions. Thank you...
    read more
    Reply from Kristi Hardy - Atlantic Coast Mortg...
    July 15th, 2026 07:20 PM
    Philip, I'm thankful for your kind words and happy to hear that you found my support proactive and professional. It's great to know that the process went smoothly and that we could promptly address your questions. Thank you for choosing Team...
    read more
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    Eric M
    HERNDON, VA
    Posted on July 9th, 2026 09:30 PM
    I'd rather not
    Reply from Kristi Hardy - Atlantic Coast Mortg...
    July 9th, 2026 11:38 PM
    Eric, I appreciate your feedback and understand that experiences can vary. If there's anything specific you'd like to discuss or any way I can assist further, please feel free to reach out to me directly.
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    Lahari Y
    Posted on July 6th, 2026 12:50 PM
    We had a great experience with Atlantic Coast Mortgage while buying our home in Ashburn, VA. Since ACM is local, we had the opportunity to work with Kristi and her amazing team. They guided us through the entire process, helped us lock in a...
    read more
    Reply from Owner
    August 16th, 2026 03:46 PM
    Lahari, I'm so pleased you had a great experience with us at Atlantic Coast Mortgage. Guiding you through the process and helping to secure a great interest rate was our pleasure. Thank you for recommending me and my team!
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    Lahari Y
    Ashburn, VA
    Posted on July 6th, 2026 12:48 PM
    We had a great experience with Atlantic Coast Mortgage! The entire team made the home loan process smooth and easy, and they helped us secure a fantastic interest rate. They were always professional, and happy to answer our questions. We truly...
    read more
    Reply from Kristi Hardy - Atlantic Coast Mortg...
    July 6th, 2026 01:15 PM
    Lahari, I'm glad to hear that you had a great experience with Atlantic Coast Mortgage. It's wonderful to know that the process was smooth and you were satisfied with the interest rate. Thank you for your kind words and for recommending us to...
    read more
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    Citizen & S
    Posted on July 5th, 2026 03:17 PM
    Kristi and her team were very responsive and helpful .
    Reply from Owner
    September 10th, 2026 07:37 AM
    Citizen, I'm thankful for your feedback. I'm pleased to know that you found our team responsive and helpful. If you have any more questions or need further assistance, feel free to reach out.
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    Kurt C
    Warrenton, VA
    Posted on July 5th, 2026 03:17 PM
    Kristi and her team were very responsive and helpful .
    Reply from Kristi Hardy - Atlantic Coast Mortg...
    July 6th, 2026 01:15 PM
    Kurt, I'm glad to hear that you found my team and me responsive and helpful. Your feedback is truly appreciated, and I'm grateful for the opportunity to assist you with your mortgage needs.
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    Derek S
    Palm Beach Gardens, FL
    Posted on July 5th, 2026 02:56 PM
    Team Hardy was outstanding to work with and helped us navigate the process.
    Reply from Kristi Hardy - Atlantic Coast Mortg...
    July 6th, 2026 01:15 PM
    Derek, I'm glad to hear that you found working with Team Hardy outstanding. Navigating the mortgage process can be complex, so I'm pleased we could assist you effectively. Thank you for your kind words!
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    David T
    Leesburg, VA
    Posted on July 3rd, 2026 10:48 PM
    I usually don't take time to write reviews but when it comes to Atlantic Coast mortgage and Kristi Hardy, there's not enough words to explain how great of an experience we had. The entire staff was very professional and extremely polite. Kristi...
    read more
    Reply from Kristi Hardy - Atlantic Coast Mortg...
    July 4th, 2026 10:20 AM
    David, I'm truly grateful for your thoughtful review. It's wonderful to hear that you had such a positive experience with both myself and the team at Atlantic Coast Mortgage. Providing excellent service and competitive rates is a top priority,...
    read more
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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
    View All
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    Positions
    • Atlantic Coast Mortgage LLC - VP, Senior Loan Officer
      May 1st, 2016 - Current
    Memberships
    • VMBA (Virginia Mortgage Bankers Association)
    Addresses and Serving Areas
    Primary Serving Area
    Fairfax, VA
    Other Serving Areas
    Washington, DC
    Rockville, MD
    Charles Town, WV

    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)