The Right Loan Officer is Critical to Your Home Buying and Refinancing Success

Kristi Hardy has an impressive track record spanning more than 20 years in consumer lending. 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 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 pilates, 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.

Licensed in:
District of Columbia, Maryland, Virginia, West Virginia
Awards & Achievements
  • Atlantic Coast Mortgage, President's Club (2014-2022)
  • National Association of Minority Mortgage Bankers, Top 100 Originators (2019-2022)
  •, Top 1% Loan Officer (2021-2022)
  • Loudoun Times-Mirror, Best of Loudoun Mortgage Professional (2013-2023)
  •, 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)

The Kristi Hardy Team at Atlantic Coast Mortgage

Kristi Hardy's Profile Photo
Kristi Hardy

SVP | Sales Manager,
Sr. Loan Officer
NMLS ID 194938
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Jeremy Kendall, CPA's Profile Photo
Jeremy Kendall, CPA

Loan Officer
NMLS ID 2045482
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Dana Chapman's Profile Photo
Dana Chapman

Team Production Manager,
Sr. Loan Officer
NMLS ID 890671
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Maggie Yost's Profile Photo
Maggie Yost

Team Production Manager,
Sr. Loan Officer
NMLS ID 1026308
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Chris Glazewski's Profile Photo
Chris Glazewski

Senior Loan Processor

Ciara Thomas's Profile Photo
Ciara Thomas


What Others Are Saying About Kristi

Easy, lots of communication, responsive. Dana Champman is a pure professional and should get a raise.
The entire team was very professional and responsive, and expertly led us through each step of the process - everything went very smoothly!
Good communication, friendly demeanor, and always very helpful.
View More of My Reviews

Homebuying Essentials

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  • Children's Hospital of the King's Daughters (CHKD) Logo
Kristi Hardy's Profile Image

Kristi Hardy

SVP | Sales Manager,
Sr. Loan Officer
NMLS ID 194938

Call Kristi Directly

Address 20365 Exchange Street, Suite 300
Ashburn, VA 20147

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