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
Fri
9 AM to 5 PM
Sat
9 AM to 5 PM
Sun
9 AM to 5 PM
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Reviews from Web
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.
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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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...
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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.
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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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)