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Kristi Hardy - Atlantic Coast Mortgage - EVP | Area Manager | Sr. Loan Officer | NMLS ID #194938 in Fairfax, VA

Kristi Hardy - Atlantic Coast Mortgage

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EVP | Area Manager | Sr. Loan Officer | NMLS ID #1...

Fairfax
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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
Mortgage
Mortgage Loan Officer
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Contact Info
(571) 246-6767
Fairfax, VA
https://www.atlanticcoastmortgage.com/loan-officer/kristi-hardy/
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
  • SFTP
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    Alba M
    Winchester, VA
    Posted on April 6th, 2026 11:08 PM
    You helped every step of the way, helped us apply for the grant you are the best we're super happy
    Reply from Kristi Hardy - Atlantic Coast Mortg...
    April 7th, 2026 12:59 PM
    Alba, it's wonderful to know that I could assist you every step of the way and help with your grant application. I'm glad to hear you're happy with the process. If there's anything else you need in the future, feel free to reach out. Thank...
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  • SFTP
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    Vinod D
    Lakeland, FL
    Posted on April 5th, 2026 05:40 PM
    Overall it was a great experience
    Reply from Kristi Hardy - Atlantic Coast Mortg...
    April 7th, 2026 01:00 PM
    I'm glad to hear that you had a great experience, Vinod. Ensuring a smooth process is always my goal, and I'm pleased it reflected in your refinance journey. If you ever have more questions or need assistance in the future, feel free to reach...
    read more
  • SFTP
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    Jason H
    Woodbridge, VA
    Posted on April 2nd, 2026 01:14 PM
    thank you
    Reply from Kristi Hardy - Atlantic Coast Mortg...
    April 2nd, 2026 02:00 PM
    I appreciate it! If there's anything more I can do to assist you, please let me know.
  • SFTP
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    Austin K
    Hampstead, NC
    Posted on April 1st, 2026 02:17 PM
    Super easy to work with and really responsive! Awesome team all around.
    Reply from Kristi Hardy - Atlantic Coast Mortg...
    April 1st, 2026 05:08 PM
    I appreciate your positive feedback, Austin. It's important to me that the process is easy and that you receive timely responses. I'm glad to hear my team and I could provide a supportive experience during your purchase. Thank you for choosing...
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    Nick A
    Posted on March 24th, 2026 10:11 PM
    Kristy and her team are the consummate professionals. Literally available 24/7 for questions. Questions I posed late at night expecting to be addressed the following day were answered immediately. Kristy is tireless in pursuit of the lowest...
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    Reply from Owner
    March 25th, 2026 01:14 PM
    Nick, I really appreciate your kind words. It's been a pleasure working with you across multiple mortgages, and I'm glad I could assist you with a package that met your needs. Being available to answer your questions promptly is important to...
    read more
  • SFTP
    H
    Hammond A
    Gainesville, VA
    Posted on March 24th, 2026 10:10 PM
    Kristy and her team are the consumate professionals. Literally available 24/7 for questions. Questions I posed late at night expecting to be addressed the following day were answered immediately. Kristy is tireless in pursuit of the lowest...
    read more
    Reply from Kristi Hardy
    April 1st, 2026 05:09 PM
    Hammond, I'm truly grateful for your generous words. It's an honor to assist you for the third time. I strive to be available and responsive to ensure your process is seamless, and I'm glad it resonated with you. Your trust and loyalty mean...
    read more
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    H A
    Posted on March 22nd, 2026 01:56 PM
    I would like to thank Kristi and her team for a smooth loan process. We got our first property with this not adding to our stress! The only negative comment I could share was during our conversation, a $10,000 grant was brought up, but during...
    read more
    Reply from Owner
    March 25th, 2026 01:16 PM
    I'm glad to hear that the loan process went smoothly for you, H. I understand your frustration regarding the grant discussion, and I'm sorry for any confusion that occurred. It's important to me that expectations are clear from the start, so...
    read more
  • SFTP
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    Hamish A
    Ashburn, VA
    Posted on March 22nd, 2026 01:51 PM
    I was very frustrated with the outcome, given we were told that there was a nurses grant if we took out the loan from ACM. I really was happy about the information and was proud to share this with my other colleagues, however during the loan...
    read more
    Reply from Kristi Hardy - Atlantic Coast Mortg...
    March 25th, 2026 05:32 PM
    Hi Hamish, thank you for sharing your feedback.I understand your frustration with expecting the nurses' grant and then learning that it was no longer available during the process.Programs like these have specific eligibility requirements, and...
    read more
  • SFTP
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    Marc S
    Lake Frederick, VA
    Posted on March 20th, 2026 12:37 PM
    We have worked with krist on several refinances and home purchases and we always appreciate her quick response and expert advice!
    Reply from Kristi Hardy - Atlantic Coast Mortg...
    March 20th, 2026 03:52 PM
    Marc, I'm glad to hear that you’ve consistently found my quick responses and advice helpful in our work together on multiple refinances and home purchases. It's always rewarding to know that my efforts in providing timely and knowledgeable...
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    Blessing L
    Posted on March 18th, 2026 04:06 PM
    Kristi Hardy - Atlantic Coast Mortgage has received a review with 5 star rating from Blessing L
    Reply from Owner
    March 20th, 2026 03:53 PM
    Blessing, I appreciate your positive rating. It means a lot to know you were satisfied. If you need anything in the future, I'm here to help.
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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
    View All
    What is the Search Rank Score®?
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    Positions
    • Atlantic Coast Mortgage LLC - VP, Senior Loan Officer
      May 1st, 2016 - Current
    Memberships
    • VMBA (Virginia Mortgage Bankers Association)
    Addresses and Serving Areas
    Primary Serving Area
    Fairfax, VA
    Other Serving Areas
    Washington, DC
    Rockville, MD
    Charles Town, WV

    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
      • View All
    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)