Loan Officer - NMLS 194938
Atlantic Coast Mortgage, LLC ("ACM")
Equal Housing Lender
Company NMLS 643114 (www.nmlsconsumeraccess.org)
Doing business in Pennsylvania under the trade name ACM, LLC of PA Loan Officer, NMLS 194938
The Kristi Hardy Team at Atlantic Coast Mortgage
With more than 20 years of experience as a mortgage loan officer, Kristi Hardy has built an outstanding reputation for helping clients navigate the home financing process with confidence and clarity. A graduate with honors from Virginia Tech and the Xinnix Mortgage Academy in Atlanta, Georgia, Kristi’s career has been defined by consistent performance, exceptional service, and a deep commitment to client education. Kristi’s expertise spans a wide range of traditional and specialized mortgage programs, allowing her to craft customized financing solutions that align with each client’s unique needs and financial goals. Her clients value her transparent communication style, thorough guidance, and ability to simplify even the most complex aspects of the mortgage process. Whether assisting first-time buyers, move-up purchasers, or real estate investors, Kristi approaches every transaction with genuine care and attention. Kristi’s consistent dedication has earned her numerous local and national honors, including:
• Lifetime Achievement Award, Elite Producer & Best Mortgage Professional (Washingtonian Magazine)
• Best of Loudoun – Loan Officer, 12 Consecutive Years / 2013-2024 (Loudoun Times-Mirror)
• Best of Ashburn – Loan Officer 2024 (Ashburn Magazine)
• Loudoun’s Favorite – Mortgage Loan Officer, 9-Time Winner / 2016-2023 (LoudounNow.com)
• Top 1% of Mortgage Originators in America, since 2016 (Mortgage Executive Magazine)
• Top Originator, since 2018 (Scotsman Guide)
• Top 5 Woman Originator in Virginia, since 2021 (Scotsman Guide)
In addition to her production achievements, Kristi remains actively involved in professional and community organizations that support homeownership and financial education. Her personal interests include reading, traveling, pilates, pickleball, snowboarding, and real estate investing — passions that keep her grounded and energized as she serves her clients. For personalized guidance and a home financing experience built around your goals, trust The Kristi Hardy Team at Atlantic Coast Mortgage. Licensed in: District of Columbia, Florida, Georgia, Maryland, Pennsylvania, South Carolina, West Virginia, Virginia, North Carolina
Atlantic Coast Mortgage, LLC (“ACM”) | Equal Housing Lender | Company NMLS 643114 (For licensing information, go to: www.nmlsconsumeraccess.org) | Privacy Policy: www.acmllc.com/privacypolicy
Doing business in Pennsylvania under the trade name ACM, LLC of PA | Georgia Residential Mortgage Licensee | Licensure & Product Disclaimers/Disclosures: www.acmllc.com/legal
