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
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
Kristi Hardy and all her team did a excellent job for me, thank you so much and I really appreciate for all your help, definitely will recommend to my family and friend.
Reply from Kristi Hardy
January 4th, 2025 03:43 AM
Thank you so much for the glowing review, Miguel! I'm delighted to hear that our team at Atlantic Coast Mortgage was able to assist in making your purchase a smooth process. It was truly a pleasure to assist you. Your recommendation to family...
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Kristi Hardy, Maggie French, Claudia Sosa, and the rest of the ACM team were friendly, responsive and helpful for us first time homebuyers closing within a short deadline.
Reply from Kristi Hardy
August 22nd, 2024 02:54 PM
Thank you so much, Olivia, for your glowing review and for giving us a perfect rating! We're delighted to hear that our team, including Maggie and Claudia, could make your first homebuying experience a positive one, especially within such a...
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Kristi and Maggie were amazing from start to finish. From giving us a rough mortgage estimate (months prior to us even being ready to look for home, almost a full year before we actually purchased our home) to answering all our questions with...
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Reply from Kristi Hardy
August 21st, 2024 03:45 PM
Hi Courtney, it's so wonderful to hear about your positive experience! We always strive to make the mortgage process as clear and stress-free as possible, especially for first-time home buyers like yourself. The fact that you felt supported...
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helpful, supportive, respnsive, understanding, respectful, friendly throughout the process!
Extremely responsive and personable!
A realistic up front description of exactly what is required to gain approval for the loan. Also, since our loan is a recast loan, the actual requirement for the recast. To this day we still don't know exactly what the terms for recast are....
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Reply from Kristi Hardy - Atlantic Coast Mortg...
September 10th, 2026 07:36 AM
Alan, thank you for sharing your feedback. I apologize for the confusion regarding the terms of your recast loan and the lack of response to inquiries. The recast terms will be dependent upon which lender services your loan. We will make sure...
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The team made the whole process very convenient and the communication and the speed of which we got answers and responses back was excellent.
Reply from Kristi Hardy
September 10th, 2026 07:37 AM
Addison, I'm pleased to know that you found the process convenient and appreciated the communication and speed of responses. It's important to me to provide a seamless experience, and your feedback is greatly valued.
mortgage was able to accommodate a quick closing. They were very responsive and had excellent communication. Very polite and pleasant, hard-working team!
Reply from Kristi Hardy - Atlantic Coast Mortg...
August 16th, 2026 03:46 PM
Christian, I'm glad to hear that you found our team responsive and communicative during your mortgage process. We always aim to be accommodating and pleasant, so it's great to know we met your expectations. Thank you for sharing your positive...
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Easy access to them when I needed. And courteous responses.
Reply from Kristi Hardy - Atlantic Coast Mortg...
August 6th, 2026 02:42 PM
Md, I'm glad to hear that you found it easy to reach out to us and appreciated the courteous responses. Your satisfaction is important to me, and I'm here if you need any further assistance in the future.
Absolutely an amazing team of people🥰Thank you for giving us a smooth and easy experience. Definitely recommend Kristi and her team for all your mortgage needs✌️💛
Reply from Owner
August 16th, 2026 03:45 PM
Abbigail, I appreciate your kind words about my team and me. I'm glad we could provide you with a smooth and easy experience. Thank you for recommending us for mortgage needs!
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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)