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
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Business Hours
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9 AM to 5 PM
Tues
9 AM to 5 PM
Wed
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 Savannah D
Reply from Owner
April 26th, 2026 05:42 PM
Thank you, Savannah, for the top rating! I'm glad to have been able to assist you with your mortgage needs.
Kristi responded promptly and helped us whenever we had questions or needed to clarify anything. Thank you so much!
Reply from Kristi Hardy - Atlantic Coast Mortg...
April 21st, 2026 12:56 PM
Savannah, I'm grateful for your kind words! I'm happy to hear that my prompt responses were helpful to you during the process. If you ever have more questions or need assistance in the future, please feel free to reach out.
Fast and open comminication.
Reply from Kristi Hardy - Atlantic Coast Mortg...
April 20th, 2026 11:50 AM
Keenan, I appreciate your feedback on the fast and open communication. It's great to know that this aspect of the process was beneficial for you. Thank you for choosing Atlantic Coast Mortgage for your purchase.
Kristi Hardy - Atlantic Coast Mortgage has received a review with 5 star rating from Celeste W
Reply from Owner
April 20th, 2026 11:51 AM
Thank you, Celeste, for the 5-star rating! I appreciate your support and am here for any future needs you might have.
The team was so helpful, they handled everything and answered questions promptly.
Reply from Kristi Hardy - Atlantic Coast Mortg...
April 17th, 2026 07:10 PM
Celeste, I'm glad to hear that you found the team helpful and responsive. It's important to me that your questions were addressed promptly throughout the process. Thank you for choosing to work with us at Atlantic Coast Mortgage!
Kristi and her team were very responsive and probided guidance along the way.
Reply from Kristi Hardy - Atlantic Coast Mortg...
April 14th, 2026 06:30 PM
Cortney, I'm happy to hear that you found our guidance and responsiveness helpful throughout the process. Thank you for choosing to work with me and my team at Atlantic Coast Mortgage. If you have any further questions or need assistance in...
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Kristi Hardy - Atlantic Coast Mortgage has received a review with 5 star rating from Ryan M
Reply from Owner
April 14th, 2026 06:30 PM
Ryan, I appreciate the high rating! If you ever need assistance in the future, feel free to reach out.
Kept great communications, always ready to help with questions.
Reply from Kristi Hardy - Atlantic Coast Mortg...
April 14th, 2026 06:31 PM
Ryan, I appreciate your kind feedback. I'm glad to hear that the communication was effective and that I could assist with any questions you had. Thank you for trusting me with your mortgage process.
The readiness of the documents we needed to sign was great. The communication was excellent as well. Any questions we had through the under contract process, Team Hardy was able to answer for us and provide good explanations to follow.
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Reply from Kristi Hardy - Atlantic Coast Mortg...
April 20th, 2026 11:51 AM
Jason, I'm glad to hear that the document readiness and communication met your expectations. I'm pleased that Team Hardy was able to provide clear answers and explanations throughout the contract process. Thank you for sharing your positive...
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Kristi Hardy - Atlantic Coast Mortgage has received a review with 5 star rating from Alba M
Reply from Owner
April 7th, 2026 12:59 PM
I appreciate your feedback through the star rating, Alba. Please feel free to reach out if there's anything else I can assist you with.
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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)