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
Tues
9 AM to 5 PM(Open now)
Wed
9 AM to 5 PM
Thu
9 AM to 5 PM
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Reviews from Web
My wife dealt with financing
Reply from Kristi Hardy
February 2nd, 2024 07:58 PM
Thank you for taking the time to leave us a review, Ira!
Quick, efficient, all digital, even closing was a breeze!
Reply from Kristi Hardy
February 2nd, 2024 07:58 PM
We're glad that you had a smooth process from start to finish, Ruben!
We are first time homebuyers and Kristi's team treated us so well! We were able to ask lots of questions and always get a quick response. Loved working with Maggie and Christopher!
Reply from Kristi Hardy
February 2nd, 2024 07:58 PM
Our team loved working with you too, Kristina! Congratulations on buying your first home!
Did not receive advice on locking in rate, missed cutoff by 4h and rate increased half a basis point (more initially) costing tens of thousands. Unable to float down rate despite a drop. Negotiations did not seem to be in good faith as rate...
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Reply from Kristi Hardy
February 2nd, 2024 07:58 PM
Hi Steven, thank you for your constructive feedback. We try hard to keep communication flowing, so everyone knows where we are in the process and why. I am sorry that was not your experience, and our level of service and communication fell...
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Kristi and her team pulled it off for me! Very grateful for their hard work a dedication to get me through the process.
Reply from Kristi Hardy
February 2nd, 2024 07:58 PM
Thank you so much for sharing your experience, Donald! We look forward to working with you again in the future!
This is our second time using ACM for a mortgage and there’s a reason we came back. They are extremely responsive, kind, explain everything in a way normal people understand, they never pushed us, and we’re so fast with our loan approval. They...
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Reply from Kristi Hardy
February 2nd, 2024 07:58 PM
Emily, we're so honored to hear that your experience encouraged you to return to us! We look forward to working with you in the future!
Everyone we worked with was helpful, responsive, and kind throughout the entire process. Thank you for helping us buy our first home!
Reply from Kristi Hardy
February 2nd, 2024 07:58 PM
Congratulations on buying your first home, Jennifer! We're happy we could be a part of such a momentous process for you.
I used Kristi and her team for the first time to purchase my 3rd home. It was by far the easiest process compared to other lenders we've used. They were organized and thorough when requesting the documents needed. We were cleared to close well...
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Reply from Kristi Hardy
February 2nd, 2024 07:58 PM
Jessica, we're so happy to hear that you found the process with us to be stress-free! We look forward to working with you again in the future.
Communications were straight forwards and timeline items were good
Reply from Kristi Hardy
February 2nd, 2024 07:58 PM
Thanks, Nicole! Happy to hear that we kept you on schedule!
Friendly and competent staff who answered all our questions with ease and confidence.
Reply from Kristi Hardy
February 2nd, 2024 07:58 PM
We're so glad that you enjoyed working with our team, Joseph! Thanks for taking the time to leave us a review.
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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)