Kristi Hardy Team at Atlantic Coast Mortgage

Kristi Hardy Team at Atlantic Coast Mortgage Kristi Hardy
EVP, Area Manager & Sr. Kristi Hardy, EVP | Area Manager & Sr. Outside of work, Kristi enjoys spending time with her family, including her two sons.

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 h

elping 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

06/17/2026

5.0 star review received on Experience.com for Kristi Hardy by Mark S - Everybody I wvorked with at ACM was very professional and easy to work with

Click to see all 1243 reviews of Kristi Hardy - Atlantic Coast Mortgage, EVP | Area Manager | Sr. Loan Officer | NMLS ID #194938

06/02/2026

5.0 star review received on Experience.com for Kristi Hardy by Temitope A - Process went smoth as expected response was quick and steady thanks.

Click to see all 1241 reviews of Kristi Hardy - Atlantic Coast Mortgage, EVP | Area Manager | Sr. Loan Officer | NMLS ID #194938

05/29/2026

5.0 star review received on Experience.com for Kristi Hardy by Yeajin S - The team was always prompt in replying, explaining everything in details, and fast in all the process. While they were very professional, they were also very kind and thoughtful.

Click to see all 1239 reviews of Kristi Hardy - Atlantic Coast Mortgage, EVP | Area Manager | Sr. Loan Officer | NMLS ID #194938

05/28/2026

5.0 star review received on Experience.com for Kristi Hardy by Tyler C - Excellent communication , ability and willingness to translate dense documents into plain English

Click to see all 1238 reviews of Kristi Hardy - Atlantic Coast Mortgage, EVP | Area Manager | Sr. Loan Officer | NMLS ID #194938

05/28/2026

5.0 star review received on Experience.com for Kristi Hardy by Scott B - Very responsive, always on top of things.

Click to see all 1237 reviews of Kristi Hardy - Atlantic Coast Mortgage, EVP | Area Manager | Sr. Loan Officer | NMLS ID #194938

05/28/2026

4.66 star review received on Experience.com for Kristi Hardy by Javid S - receive all information from you and your company more knowledge for me. Thank you so much.

Click to see all 1236 reviews of Kristi Hardy - Atlantic Coast Mortgage, EVP | Area Manager | Sr. Loan Officer | NMLS ID #194938

05/23/2026

4.83 star review received on Experience.com for Kristi Hardy by Sean M - during the buying process we had multiple road blocks like laws changing , HOAs being a load of nonsens. but the team was great at overcoming these hurdles. took time during the buying and closing process but if laws and regulations change and we still got the property at the end of it all.

Click to see all 1234 reviews of Kristi Hardy - Atlantic Coast Mortgage, EVP | Area Manager | Sr. Loan Officer | NMLS ID #194938

05/20/2026

5.0 star review received on Experience.com for Kristi Hardy by Linda B - The team was very quick in responding and helped ease any concerns we encountered Without Kristi and her team we would not be moving in to our beautiful new house She is an outstanding mortgage broker

Click to see all 1233 reviews of Kristi Hardy - Atlantic Coast Mortgage, EVP | Area Manager | Sr. Loan Officer | NMLS ID #194938

05/18/2026

5.0 star review received on Experience.com for Kristi Hardy by Charlotte G - The whole process was easy! We felt we could reach out regarding any part of the process, which is super important!

Click to see all 1232 reviews of Kristi Hardy - Atlantic Coast Mortgage, EVP | Area Manager | Sr. Loan Officer | NMLS ID #194938

05/18/2026

5.0 star review received on Experience.com for Kristi Hardy by Sahar M - Kristy and her team , were absolutely wonderful to work with during our home mortgage process. They were very professional, helpful, and always available to answer our questions. Thanks to their hard work and guidance, special thanks to Maggie, she is amazing and very professional . our closing went very smoothly and stress-free. We truly appreciate all their support in helping us buy our home. Highly recommend them!

Click to see all 1231 reviews of Kristi Hardy - Atlantic Coast Mortgage, EVP | Area Manager | Sr. Loan Officer | NMLS ID #194938

Address

4097 Monument Corner Drive, Suite 600
Fairfax, VA
22030

Opening Hours

Monday 8am - 10pm
Tuesday 8am - 10pm
Wednesday 8am - 10pm
Thursday 8am - 10pm
Friday 8am - 10pm
Saturday 8am - 8pm
Sunday 8am - 8pm

Telephone

+15712466767

Website

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