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
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
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...
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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...
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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...
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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...
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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...
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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...
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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...
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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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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.
Everyone listened understand of the exactly type of home we want and the team did exactly that, we are forever grateful
Reply from Kristi Hardy - Atlantic Coast Mortg...
March 18th, 2026 04:11 PM
Blessing, it's truly rewarding to know that you felt heard and that we were able to help you find the right home. Thank you for sharing your experience. Your gratitude means a lot, and I'm pleased that the team met your expectations. If you...
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good communication
Reply from Kristi Hardy - Atlantic Coast Mortg...
March 16th, 2026 10:08 PM
I'm glad to hear that you appreciated the communication, Adnan. Ensuring clear and effective dialogue is really important to me, so I'm happy it made a positive impact on your experience. If there's anything else I can assist you with, please...
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Good people !!
Reply from Kristi Hardy - Atlantic Coast Mortg...
March 16th, 2026 06:18 PM
Eric, your positive note is appreciated! I'm glad to hear that your experience was a good one. If there's anything else you ever need, feel free to reach out.
Kristi and her team make the process so easy!
Reply from Kristi Hardy - Atlantic Coast Mortg...
March 14th, 2026 03:58 PM
Jennifer, your feedback is genuinely appreciated. I'm glad to hear that the process felt easy for you. It's important to me that everything runs smoothly, and it's wonderful that this was your experience. Thank you for your trust in us!
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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)