Kristi Hardy, NMLS 194938
EVP | Area Manager & Sr. Kristi Hardy, EVP | Area Manager & Sr.
Loan Officer
Atlantic Coast Mortgage, LLC | Equal Housing Lender
Company NMLS 643114 (www.nmlsconsumeraccess.org)
Doing business in Pennsylvania under the trade name ACM, LLC of PA | acmllc.com/legal Loan Officer, NMLS 194938
Atlantic Coast Mortgage, LLC | Equal Housing Lender | Company NMLS ID #643114 (www.nmlsconsumeraccess.org)
Kristi Hardy has an impressive track record in consumer lending
spanning more than 20 years. Her journey in the mortgage industry began when she graduated with honors from the Xinnix Mortgage Academy in Atlanta, Georgia. Since then, she has consistently been a top producer locally and nationally, earning her recognition and accolades year after year. Kristi's dedication to exceptional customer service has earned her numerous accolades, including being voted "Best of Loudoun – Loan Officer" for an astounding 10 YEARS IN A ROW by The Loudoun Times-Mirror. She has also been recognized as "Loudoun's Favorite - Mortgage Loan Officer" by LoudounNow.com for 6 years and 1st Runner up in 2018 & 2021, only to reclaim her title in 2022 & 2023! Additionally, she has been listed in the Top 1% of Mortgage Originators in America by Mortgage Executive Magazine since 2016 and ranked by Scotsman Guide as a Top Originator since 2018, and in the Top 5 Originators in Virginia since 2021. Kristi's vast knowledge of traditional and niche mortgage programs makes her an invaluable resource for homebuyers seeking to turn their dreams of homeownership into reality. With a passion for helping her clients feel comfortable and informed throughout the process, Kristi's personalized approach ensures that each individual's unique needs are met. With an extensive understanding of and experience with both traditional and niche mortgage programs, Kristi is an invaluable resource for homebuyers seeking to turn their dreams of homeownership into reality. Her genuine dedication to consistent & transparent communications and education throughout the mortgage process ensures that each person's unique goals are kept top of mind with every loan closed. When she's not busy assisting clients, Kristi enjoys spending time with her family, including her two boys. Her interests range from reading and traveling to yoga, snowboarding, and real estate investing. An active participant in social organizations, Kristi finds joy in helping others achieve their dreams. For a seamless and rewarding home financing or refinancing experience, trust The Kristi Hardy Team at Atlantic Coast Mortgage and a loan officer who makes your goals a priority and has a genuine passion for creating realistic strategies that help clients succeed in their homeownership journey. Awards & Accolades
• Atlantic Coast Mortgage, President's Club (2018-2023)
• National Association of Minority Mortgage Bankers, Top 100 Originators (2019-2022)
• Experience.com, Top 1% Loan Officer (2021-2023)
• Loudoun Times-Mirror, Best of Loudoun Mortgage Professional (2013-2023)
• LoudounNow.com, Loudoun's Favorite (2016, 2017, 2019, 2020, 2022, 2023)
• Mortgage Executive Magazine, Top 1% Mortgage Originators (2016-2023)
• Washingtonian, Top Producer (2020-2023)
• Mortgage Professional America Magazine (MPA), Elite Women Award (2022, 2023)
• Scotsman Guide, Top Originators (2018-2023)
• Scotsman Guide, Top Women Originators (2019-2023)
• Scotsman Guide, Top FHA Volume (2020, 2022, 2023)
• Scotsman Guide, Top 5 Women Originators in Virginia (2021-2023)
5.0 star review received on Experience.com for Kristi Hardy by Riecie W - Just how everyone was supportive and not stressful. Very patience and answered all questions. Great team!!
Click to see all 952 reviews of Kristi Hardy, EVP | Area Manager | Sr. Loan Officer
4.5 star review received on Experience.com for Kristi Hardy by Daniel R - Service was fast and very easy
Click to see all 951 reviews of Kristi Hardy, EVP | Area Manager | Sr. Loan Officer
5.0 star review received on Experience.com for Kristi Hardy by Kriti J - The process was certainly very smooth. ACM stood by us in every step giving their valuable guidance and expertise. Big shout to Team Hardy especially Dana Champan our load officer for being on top of it and coming up with best options for us!! THANK YOU.
Click to see all 949 reviews of Kristi Hardy, EVP | Area Manager | Sr. Loan Officer
5.0 star review received on Experience.com for Kristi Hardy by Charles E - Everyone was knowledgeable and easy to contact.
Click to see all 947 reviews of Kristi Hardy, EVP | Area Manager | Sr. Loan Officer
5.0 star review received on Experience.com for Kristi Hardy by Jenny R - Great communication on requirements, loan options, and timeliness.
Click to see all 945 reviews of Kristi Hardy, EVP | Area Manager | Sr. Loan Officer
5.0 star review received on Experience.com for Kristi Hardy by Matthew T - Kristi and her team were amazing throughout the loan process and help me understand everything that happened. I was so impressed by the professionalism.
Click to see all 943 reviews of Kristi Hardy, EVP | Area Manager | Sr. Loan Officer
4.83 star review received on Experience.com for Kristi Hardy by Laurence H - I had a great experience with Atlantic Coast Mortgage. The mortgage process was smooth and stress-free. From start to finish, their team was highly accessible and responsive, which made communication a breeze. Any questions or concerns I had were addressed promptly.
Click to see all 942 reviews of Kristi Hardy, EVP | Area Manager | Sr. Loan Officer
4.5 star review received on Experience.com for Kristi Hardy by Kathleen C - Very communicative
Click to see all 941 reviews of Kristi Hardy, EVP | Area Manager | Sr. Loan Officer
5.0 star review received on Experience.com for Kristi Hardy by Claudia F - After working with a mortgage lender who would not respond to my calls and texts, someone recommended Kristi Hardy and GAME CHANGER! Working with her team was so effortless. They guided me through the entire loan process and were excellent with communication. This was my first home and the Hardy team made this journey an amazing one. Thank you!
Click to see all 939 reviews of Kristi Hardy, EVP | Area Manager | Sr. Loan Officer
5.0 star review received on Experience.com for Kristi Hardy by ERIC H - Thanks!!!!!!!!!!!!!
Click to see all 938 reviews of Kristi Hardy, EVP | Area Manager | Sr. Loan Officer
The last 3 days of reviews! ❤️❤️❤️❤️way to go team! Always knocking it out of the park! Special thanks to Maggie French, Dana Chapman for always making me look good and always providing world class service!
5.0 star review received on Experience.com for Kristi Hardy by Alexis Q - Your whole team was there for us, very responsive and was willing to explain every step of the process the whole time. We felt very supported through our whole home buying process. Thank you SO much!
Click to see all 937 reviews of Kristi Hardy, EVP | Area Manager | Sr. Loan Officer
5.0 star review received on Experience.com for Kristi Hardy by RHONDA H - We live out of state and the communication during the entire process was excellent. Very prompt and helpful
Click to see all 936 reviews of Kristi Hardy, EVP | Area Manager | Sr. Loan Officer
5.0 star review received on Experience.com for Kristi Hardy by Chloe M - Kristi and her team were so communicative and quick-moving when we needed them. They quickly earned our trust to provide answers, guidance or an updated pre-approval letter whenever we needed them. We had a lot of questions during the process, but the ACM team helped walk us through everything so we felt confident in the decisions we were making.
Click to see all 935 reviews of Kristi Hardy, EVP | Area Manager | Sr. Loan Officer
5.0 star review received on Experience.com for Kristi Hardy by Brett S - Kristi and her team were very responsive and helpful with answering questions as they came up throughout the home-buying process.
Click to see all 934 reviews of Kristi Hardy, EVP | Area Manager | Sr. Loan Officer
5.0 star review received on Experience.com for Kristi Hardy by Harun O - Very responsive and friendly.
Click to see all 933 reviews of Kristi Hardy, EVP | Area Manager | Sr. Loan Officer
5.0 star review received on Experience.com for Kristi Hardy by Allen F - Super responsive when another lender backed out at the last minute. The whole team at Atlantic Coast Mortgage was wonderful and made this whole process very easy. A special thanks to Dana and Chris for all their hard work on my behalf, Doing this process from across the country could have been challenging but they made it very smooth.
Click to see all 931 reviews of Kristi Hardy, EVP | Area Manager | Sr. Loan Officer
5.0 star review received on Experience.com for Kristi Hardy by Matthew E - The whole process was easy and very straightforward
Click to see all 929 reviews of Kristi Hardy, EVP | Area Manager | Sr. Loan Officer
5.0 star review received on Experience.com for Kristi Hardy by Michael M - You and your team is there when you need them no matter what the time of day that’s unusual Service for this day age. In a good way. Much appreciated.
Click to see all 928 reviews of Kristi Hardy, EVP | Area Manager | Sr. Loan Officer
5.0 star review received on Experience.com for Kristi Hardy by Earshadul K - Kristi and her team were there to guide us every step of the way. Couldn’t have asked for any better service.
Click to see all 926 reviews of Kristi Hardy, EVP | Area Manager | Sr. Loan Officer
5.0 star review received on Experience.com for Kristi Hardy by Claire A - All the folks with Team Hardy were professional and curious. Most of us don’t buy a home often and they were wonderful at explaining the answers to my questions. Thanks again- I’m very pleased!
Click to see all 925 reviews of Kristi Hardy, EVP | Area Manager | Sr. Loan Officer
5.0 star review received on Experience.com for Kristi Hardy by Carole R - Everyone I worked with was helpful and patient, answering my questions along the way as they arose. Kristi answered a frantic 7am phone call from me early on so I appreciate her for being understanding. Financially painful but, all in all, a pleasant experience.
Click to see all 924 reviews of Kristi Hardy, EVP | Area Manager | Sr. Loan Officer
5.0 star review received on Experience.com for Kristi Hardy by Melita V - The entire mortgage process has been smooth and easy.
Click to see all 923 reviews of Kristi Hardy, EVP | Area Manager | Sr. Loan Officer
5.0 star review received on Experience.com for Kristi Hardy by Billy N - Kristi and the team made my home buying experience easy. The level of professionalism from the entire team was impressive. I highly recommend Kristi and the team. Thank you so much and I look forward to working with you in the future.
Click to see all 922 reviews of Kristi Hardy, EVP | Area Manager | Sr. Loan Officer
5.0 star review received on Experience.com for Kristi Hardy by Luciano L - Kristi was a wonderful person over the phone. She really had that smile and pleasant customer service behind the scenes. She answered all my questions, and if she didn’t know the answer to something she would immediately turned to the team to figure things out for me. She made the process painless, and even on one occasion where things did not go the way they should have she made it work! Recommend trying to buy a house to work with Kristi!
Click to see all 921 reviews of Kristi Hardy, EVP | Area Manager | Sr. Loan Officer
5.0 star review received on Experience.com for Kristi Hardy by Rebecca C - Kristi and Maggie went above and beyond to assist us throughout the home buying process. As buyers up against a very competitive market, they both showed such patience, care, and support as we navigated it all. We could not have done it without them and are so thankful!
Click to see all 917 reviews of Kristi Hardy, EVP | Area Manager | Sr. Loan Officer
5.0 star review received on Experience.com for Kristi Hardy by Colleen C - Great communication and support with the process!
Click to see all 916 reviews of Kristi Hardy, EVP | Area Manager | Sr. Loan Officer
5.0 star review received on Experience.com for Kristi Hardy by Kyle J - Kristi and Atlantic Coast Mortgage were phenomenal. Questions were answered right away and late nights were put in to make sure things were completed on time. Couldn’t be happier.
Click to see all 915 reviews of Kristi Hardy, EVP | Area Manager | Sr. Loan Officer
4097 Monument Corner Drive, Suite 600
Fairfax, VA
22030
| Monday | 8am - 10pm |
| Tuesday | 8am - 10pm |
| Wednesday | 8am - 10pm |
| Thursday | 8am - 10pm |
| Friday | 8am - 10pm |
| Saturday | 8am - 8pm |
| Sunday | 8am - 8pm |
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The last 3 days of reviews! ❤️❤️❤️❤️way to go team! Always knocking it out of the park! Special thanks to Maggie French, Dana Chapman for always making me look good and always providing world class service! #TeamHardy #lender2thestars
Tired of high interest rates? 📈 Imagine this: offer slightly below asking price and unveil the magic of this mortgage strategy... ✨Introducing the 2-1 Buy Down!✨ 💲 Enjoy extra cash flow in the first 2 years for upgrades, decor, and more. 🔨🛋️ Excited to make homeownership a reality in 2024? DM me to explore tailored approaches! 🤝📩
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Things to not do before applying for a loan 🚫🔑 Co-signing pitfalls, job changes, and online tools – oh my! 🚫🔑 ❌ Don't jeopardize your dream home by co-signing debts. ❌ Keep your employment stable for a smooth mortgage journey. ❌ And remember, internet tools are a teaser – not a solution. Wondering how much home buying power you have? 📲 DM me to find out!
Worst mistake young home buyers make 🚨👇 Don't fall into this trap! 👇🚨 The biggest blunder in home buying? Holding out for a 20% down payment. 💰⏳ Don't let PMI be your roadblock – DM me to start strategizing your home buying journey! 🌟🔑
What’s the ONE thing you wish you knew before finding your dream home? Drop your insights in the comments!
💸 Let’s chat! Shoot me a DM to get your personalized consultation and discover how much home you can afford in your market. ✨Your future home might be only a message away! ✨
💸 Let’s chat! Shoot me a DM to get your personalized consultation and discover how much home you can afford in your market. ✨ Your future home might be only a message away! ✨
If your mortgage rate is a star 🌟 then this post is for you! HELOC, or Home Equity Line of Credit, is the leverage you need to break into the real estate investment world. 🌎 🎯 Curious about qualifications? Let's chat credit, equity, and goals. 📥 DM me your situation and we’ll get you started! 🤝 #realestategoals #realestateinvestment #loanofficerlife #HomeBuyingJourney #homeownership #wealthmanagement
Boost your home value 💲5️⃣0️⃣0️⃣0️⃣ for only 💲1️⃣0️⃣0️⃣❗️ Shut the front door! 👀 🙊 Just kidding, you need to PAINT the front door! 🤯🚪🧑🎨 Seriously, a splash of color really stands out in a sea of sameness. 🎨💦🤩 Ready for more practical tips? Follow for real estate insight and wealth-building strategies! #realestateinvestment #homeownershipgoals #realestateexpert #wealthcreation
Eyeing that $500,000 dream home? :house_with_garden: :eyes: Picture this: offer $490,000 and discover the power of this mortgage hack… 🌟The 2-1 BUY DOWN!🌟 💸 Free up cash in the first 2 years for home upgrades, cool furniture, and more. Ready to make homeownership happen for you in 2024? DM me to dive into your personalized strategies! 🙌
🤫 Don't tell my colleagues I said this but renting rocks! It's low maintenance and (usually) high comfort. 💡 Plus, it still feels like home and you can treat it like an insurance policy against unexpected costs. 🌟 🗣️ What are your thoughts on renting vs. owning? Comment or DM – I want to hear from you! 💘
Want to learn how to turn a penny into millions? 💵🤑 Follow me to learn more about investing! 🕺Investing is more like a roller coaster that shoots up than a straight line 🎢. DM Me to start investing and build wealth! #wealthbuilding #wealthmanagement #investingtips #investingstrategy #investingeducation #investingforbeginners #realestateinvesting #realestateadvice
🏠 Millennial Homebuyers’ Secret Weapon: Ever thought about having your parents co-sign on your mortgage? 💸 Co-signing is a great way to build a family legacy and generational wealth. 📩 DM me to start the wealth-building conversation! 💕
Are you looking for first-time home buyer strategies? 🌟 Try opening a high-yield savings account dedicated to saving for your down payment: https://www.wealthfront.com/c/affiliates/invited/AFFB-REC2-5AVE-F07D Doing so gives you an ever-growing, untouched separate stash that’s off-limits for everyday spending. Ready to own your dream home? 📲 DM me to see what’s possible today! #loanofficer #wealthbuilding #financetips #wealthcreation #wealthmanagement
⚠️ Did you know that Americans are sitting on a home equity goldmine of historic proportions? 💎 Ready to take advantage? Here’s how: 1️⃣ Cash Out Refinance: Realize dreams, consolidate debts, or secure new property. 2️⃣ HELOC Ingenuity: Strategically access home equity for financial flexibility. 💡 Choose either option to transform your equity for home improvement, debt consolidation, new properties, major expenses, investments, emergencies, or education. Want to see if you qualify? Let’s chat! 💬🤝
⚠️ Did you know that Americans are sitting on a home equity goldmine of historic proportions? 💸💎 Ready to take advantage? Here’s how: 1️⃣ Cash Out Refinance: Realize dreams, consolidate debts, or secure new property. 2️⃣ HELOC Ingenuity: Strategically access home equity for financial flexibility. 🌟Choose either option to transform your equity for home improvement, debt consolidation, new properties, major expenses, investments, emergencies, or education. Want to see if you qualify? Let’s chat! 🤝💬
Kristi Hardy has been voted “The Best Loan Officer” in Loudoun County each year for 8 YEARS IN A ROW by Leesburg Today/Loudoun Times-Mirror and “Loudoun’s Favorite Mortgage Broker” for 2016, 2017, 1st Runner up in 2018, and winner in 2019 by LoudounNow & “Best Loan Officer” of Fairfax by The Sun Gazette, listed in the Top 1% Mortgage Originators in America listed in Mortgage Executive Magazine for 2016, 2017 & 2018, and most recently ranked in the Top Women Originators for 2018 by Scotsman Guide!
Kristi Bain Hardy | VP & Senior Loan Officer | NMLS ID # 194938
Prequalify Online: www.KristiHardy.com
Atlantic Coast Mortgage, LLC is an Equal Housing Lender Company NMLS ID #643114 (www.nmlsconsumeraccess.org)
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