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
Mon
9 AM to 5 PM
Tues
9 AM to 5 PM
Wed
9 AM to 5 PM
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Reviews from Web
She worked very hard to get us through a complicated loan
Reply from Kristi Hardy - Atlantic Coast Mortg...
March 6th, 2026 07:24 PM
John, I appreciate you recognizing the effort put into navigating your loan process. It can certainly be challenging at times, and I'm glad I could assist in making it manageable. Thank you for your review, and feel free to reach out if there's...
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Kristi and her team were absolutely wonderful! Findings a lender for us wasnt wasn't easy and we were making plans on what to do when the deal fell throug. Kristi came through for us and made the deal happen! We were in shock and so grateful...
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Reply from Kristi Hardy
March 6th, 2026 07:24 PM
Melody, I'm truly heartened by your words and grateful for the opportunity to help during such a crucial time. It was essential for me to come through with the right solution when challenges arose, and I'm relieved we could make it work for...
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Great experience!
Reply from Kristi Hardy - Atlantic Coast Mortg...
February 27th, 2026 02:23 AM
I'm glad to hear you had a great experience, Marc! Thank you for choosing me to assist with your mortgage needs. If you have any future questions or need further assistance, feel free to reach out.
Incredibly responsive throughout the process - early, during, after. Full team awareness and willingness to jump in. Highly recommended.
Reply from Owner
March 6th, 2026 07:24 PM
I appreciate your recommendation, Phil. I'm glad to know that the responsiveness of my team and I made a positive impact on your experience. Being attentive and ready to assist at every stage is something we value deeply. Thank you for sharing...
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Super responsive...worked as a team and all team members appeared empowered to help. Follow-ed through with what they said they'd do. Strongly recommend them.
Reply from Kristi Hardy - Atlantic Coast Mortg...
February 27th, 2026 02:23 AM
Your feedback is greatly appreciated. I'm glad the responsiveness and teamwork were evident throughout your experience. It's always my goal to ensure that everyone involved is empowered and efficient in helping you. Thank you for your recommendation,...
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Good process
Reply from Owner
February 27th, 2026 02:24 AM
It's wonderful to know that you had a positive experience during the mortgage process. I'm glad I could provide smooth and clear support while helping you find the best options. Thank you for your kind words, Pree. It means a lot, and I'm here...
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wow, we do not know where to begin for being blessed with this team and better yet getting to be with them for life. The process was smooth and the team work expeditiously providing the best options for us . I could not have asked for a better...
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Reply from Kristi Hardy - Atlantic Coast Mortg...
February 27th, 2026 02:24 AM
Preeteka, it's heartening to hear your appreciation for the support and options provided throughout the mortgage process. I'm truly glad that the experience was smooth and that you felt confident with the team. Thank you for taking time to...
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Everything went smoothly from start to finish.
Reply from Kristi Hardy - Atlantic Coast Mortg...
February 21st, 2026 12:51 PM
Mary, I’m glad to hear everything went smoothly for you during your cash-out refinance process. It’s always my aim to ensure a seamless experience, and it’s great to know that was the case for you. Thank you for choosing me to assist with your...
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Excellent suport and followup
Reply from Kristi Hardy - Atlantic Coast Mortg...
February 20th, 2026 02:29 PM
Charles, thank you for your feedback on the support and follow-up you received. I'm glad I could assist you effectively during the cash-out refinance process. If there's anything more you need, feel free to reach out.
happy and satisfied with the service that I received from purchasing my second home
Reply from Kristi Hardy - Atlantic Coast Mortg...
February 18th, 2026 03:30 PM
Timothy, I'm glad to hear that you're happy and satisfied with the service while purchasing your second home. It's important to me that everything goes smoothly and meets your expectations. If you have any future questions or needs, feel free...
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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)