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 Hardy - Atlantic Coast Mortgage has received a review with 5 star rating from Rochelle S
Reply from Owner
May 18th, 2026 03:24 PM
Thank you, Rochelle, for the great rating! I'm glad to know you had a positive experience with Atlantic Coast Mortgage.
Questions were answered quickly and throroughly, and Kristi/her team made the loan process very smooth and worked with me to have a remote closing when I wasn't available in person.
Reply from Kristi Hardy - Atlantic Coast Mortg...
May 14th, 2026 10:42 PM
Rochelle, I'm glad to hear that the loan process went smoothly and that we could accommodate a remote closing for you. It's important to me that all your questions were answered quickly and thoroughly. Thank you for sharing your experience!
Made the entire process super easy.
Reply from Kristi Hardy - Atlantic Coast Mortg...
May 14th, 2026 01:25 PM
Mason, I'm glad to hear that the process felt easy for you. It was a pleasure assisting with your mortgage needs, and I appreciate your feedback.
Kristi Hardy - Atlantic Coast Mortgage has received a review with 5 star rating from LIO B
Reply from Owner
May 14th, 2026 01:26 PM
Thank you for the great rating, Lio! I'm glad to know you had a positive experience with Atlantic Coast Mortgage. If you ever need assistance in the future, feel free to reach out.
The team was very helpful, quick to respond and communicated really professionaly and had my best interest at heart in making sure my loan and closing process went smoothly. I would absolutely recomment this team- working with Kristi, Ricky...
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Reply from Kristi Hardy - Atlantic Coast Mortg...
May 11th, 2026 04:42 PM
Lionel, I appreciate your kind words and am glad to hear that you found the team helpful and professional. I'm pleased that we could make your loan and closing process smooth. Working with you was a great experience, and I'm thankful for your...
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Buying our home was such a smooth and exciting experience from start to finish. Everything went great, and we’re so thankful for all the support, communication, and hard work throughout the process. Every step was handled professionally, making...
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Reply from Kristi Hardy - Atlantic Coast Mortg...
May 8th, 2026 01:19 PM
Tahina, I'm so glad to hear that buying your home was such a smooth and exciting experience. It’s appreciated to know that our communication and support helped make the process enjoyable for you. Thank you for trusting me to assist in making...
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Kristi Hardy - Atlantic Coast Mortgage has received a review with 5 star rating from Maame E
Reply from Owner
May 8th, 2026 01:20 PM
Thank you, Maame, for your positive rating. I truly appreciate your support and am here if you need anything in the future.
Everything about the process was very smooth and fast. Didn't even feel like a mortgage process at all!
Reply from Kristi Hardy - Atlantic Coast Mortg...
May 5th, 2026 09:59 PM
Jessica, I'm glad to hear that the process felt smooth and fast for you! It's important to me that my clients have a seamless experience. Thank you for sharing your positive feedback.
Kristi Hardy - Atlantic Coast Mortgage has received a review with 5 star rating from HUGO O
Reply from Owner
May 5th, 2026 09:59 PM
Thank you, Hugo, for the perfect rating! I truly appreciate your support and trust in my services at Atlantic Coast Mortgage.
Very Profecional . Super happy with all process.
Reply from Kristi Hardy - Atlantic Coast Mortg...
April 26th, 2026 05:42 PM
Hugo, I'm glad to know you were happy with the process. Your feedback on my professionalism is truly appreciated. Thank you for choosing to work with me at Atlantic Coast Mortgage!
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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)