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
Very much pleased with all ACM did during my home buying.
Reply from Owner
August 16th, 2026 03:47 PM
Sandra, I'm glad to hear you were pleased with your home buying experience through Atlantic Coast Mortgage. Thank you for sharing your positive feedback!
I enjoyed working with everyone from ACM & was very pleased on how attentive everyone was. Also, there patience everyone was working with me on all the emails & signing documents.
Reply from Kristi Hardy - Atlantic Coast Mortg...
August 16th, 2026 03:47 PM
Sandra, I'm glad to hear that you enjoyed working with the team at ACM. Your kind words about their attentiveness and patience in handling emails and documents are greatly appreciated. Thank you for sharing your positive experience.
Kristi and team made thenloan the loan process smooth and efficient. There wasn't a lot of asking and reasking for things already provided, which has characterized some of my other home loan experiences.
Reply from Kristi Hardy
August 16th, 2026 03:48 PM
Andrew, I'm glad to hear that you found the loan process smooth and efficient. It's important to me to minimize unnecessary requests and ensure everything goes as seamlessly as possible. Thank you for sharing your experience!
Everybody I wvorked with at ACM was very professional and easy to work with
Reply from Kristi Hardy - Atlantic Coast Mortg...
June 17th, 2026 03:05 PM
Mark, I'm glad to hear that you found working with everyone at ACM professional and easy. Thank you for sharing your positive experience!
We had a great experience until our loan went to underwriting; I felt like we didn't really know what was happening at that point, and had to ask a lot of questions in order to know what was going on/if we were actually in the clear for closing...
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Reply from Kristi Hardy - Atlantic Coast Mortg...
June 10th, 2026 08:18 PM
Corinne, I appreciate you sharing your detailed experience with me. I'm sorry to hear about the confusion during the underwriting and closing processes, and I understand how this could have been stressful. It's clear that more proactive communication...
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Process went smoth as expected response was quick and steady thanks.
Reply from Kristi Hardy - Atlantic Coast Mortg...
June 2nd, 2026 01:05 PM
Temitope, I'm glad to hear that the process met your expectations and that my responses were timely. Thank you for your kind words, and I'm here if you need any further assistance.
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!
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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)