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
Working with Kristi and her team was an outstanding experience — I can’t recommend them enough! She came highly recommended by a close friend, and I’m so glad I chose to work with her team.Buying a home can be overwhelming, but Kristi and her...
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Reply from Owner
June 10th, 2026 08:13 PM
Yeajin, I'm truly grateful for your thoughtful review. I'm glad to hear that my team and I could make your home buying experience smooth and stress-free. It’s wonderful to know that our attentiveness and professionalism left a positive impression...
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The team was always prompt in replying, explaining everything in details, and fast in all the process. While they were very professional, they were also very kind and thoughtful.
Reply from Kristi Hardy - Atlantic Coast Mortg...
June 2nd, 2026 01:05 PM
Yeajin, I appreciate your kind words about the promptness and professionalism you experienced. It's great to know that you felt well-informed throughout the process. Thank you for highlighting the kindness and thoughtfulness of my team.
Excellent communication , ability and willingness to translate dense documents into plain English
Reply from Kristi Hardy - Atlantic Coast Mortg...
May 29th, 2026 01:37 AM
Tyler, I appreciate your feedback on my communication and ability to simplify complex documents. It's important to me that my clients fully understand the process, and I'm glad to know it was helpful for you. Thank you for choosing me for your...
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Very responsive, always on top of things.
Reply from Kristi Hardy - Atlantic Coast Mortg...
May 28th, 2026 12:57 PM
Scott, I'm glad to hear that you found my approach responsive and efficient. It's important to me to ensure everything stays on track for my clients. Thank you for your kind words!
receive all information from you and your company more knowledge for me. Thank you so much.
Reply from Kristi Hardy
May 28th, 2026 12:57 PM
Javid, I'm glad that the information provided was helpful for you. Thank you for your kind words, and if you have any more questions or need further assistance, please feel free to reach out.
Great team to work with, awesome group of people
Reply from Owner
May 28th, 2026 12:58 PM
Aaron, I appreciate your positive feedback! I'm glad you found my team and me great to work with. If you ever need anything in the future, please feel free to reach out.
during the buying process we had multiple road blocks like laws changing , HOAs being a load of nonsens. but the team was great at overcoming these hurdles. took time during the buying and closing process but if laws and regulations change...
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Reply from Kristi Hardy - Atlantic Coast Mortg...
May 23rd, 2026 01:18 AM
Sean, thank you for sharing your experience. I'm glad that, despite the challenges with changing laws and HOA issues, we were able to navigate through them together. Your acknowledgment of our efforts means a lot, and I'm happy we could help...
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The team was very quick in responding and helped ease any concerns we encountered Without Kristi and her team we would not be moving in to our beautiful new house She is an outstanding mortgage broker
Reply from Kristi Hardy
May 23rd, 2026 01:19 AM
Linda, I'm so glad to hear that my team and I were able to ease your concerns and assist you in moving into your beautiful new home. Your kind words mean a lot, and I'm grateful for the opportunity to have been your mortgage broker. Thank you...
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The whole process was easy! We felt we could reach out regarding any part of the process, which is super important!
Reply from Kristi Hardy - Atlantic Coast Mortg...
May 18th, 2026 10:39 PM
Charlotte, I'm glad to hear that you found the process easy and felt comfortable reaching out at any time. It's great to know that open communication was helpful for you. Thank you for sharing your experience!
Kristy and her team , were absolutely wonderful to work with during our home mortgage process. They were very professional, helpful, and always available to answer our questions. Thanks to their hard work and guidance, special thanks to Maggie,...
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Reply from Kristi Hardy - Atlantic Coast Mortg...
May 18th, 2026 03:24 PM
Sahar, I'm so glad to hear that you had a appreciated experience with my team and me during your home mortgage process. It's great to know that we could provide the professional and helpful support you needed, and I will definitely pass on...
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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)