Kristi Hardy has been voted “The Best Loan Officer” in Loudoun County each year for 9 YEARS IN A ROW by Leesburg Today/Loudoun Times-Mirror and “Loudoun’s Favorite Mortgage Loan Officer” by LoudounNow for 5 years, 1st Runner up in 2018, and then reclaimed her title in 2019 & 2020 & 2022! & “Best Loan Officer” of Fairfax by The Sun-Gazette in 2019, and listed in the Top 1% Mortgage Originators in America listed in Mortgage Executive Magazine since 2016, and also ranked in the Top Women Originators since 2018 by Scotsman Guide!
Kristi is a Senior Vice President, Sales Manager, and Senior Loan Officer with Atlantic Coast Mortgage, LLC. With over 25 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.
Kristi began her mortgage career in 2004 when she graduated from the Xinnix Mortgage Academy in Atlanta, Georgia. The Xinnix School honored her as a top producer and number one in her class. Before becoming a Xinnix Certified Originator, XCO, Kristi graduated with honors from Virginia Tech in 1992 with a Bachelor of Science in Marketing Management and a minor in Sociology.
Having over 6 years of sales, marketing, lending, and management experience with Enterprise Rent a Car, Kristi took several years off to pursue her dream of traveling the world.
Kristi’s mortgage lending experience includes working at CTX Mortgage, George Mason Mortgage, and SWBC Mortgage. Kristi has been consistently a top producer locally and nationally. Kristi was chosen to be a Guest Speaker at CTX Mortgage’s National conference because she was the number one Rookie of the Year for the company. Mortgage Originator Magazine ranked her as #7 Rookie of the Year for 2005 in the nation. Kristi was also featured in an article titled “Rookie Superstar of the Month” in Mortgage Originator Magazine in June 2006. Kristi has received the highest customer service and production awards year after year.
Kristi enjoys spending time with her family, including her two boys. She enjoys reading, traveling, yoga, snowboarding, and real estate investing. Kristi participates in many social organizations and enjoys helping others achieve their dreams of homeownership.
Licensed in:
District of Columbia, Maryland, Virginia, West Virginia
Awards & Achievements
Atlantic Coast Mortgage, President's Club (2018-2022)
Scotsman Guide, Top Originators (2018-2022)
Scotsman Guide, Top Women Originators (2019-2022)
Mortgage Executive Magazine, Top 1% Mortgage Originators (2016-2022)
Mortgage Executive Magazine, Top Originators | Top FHA Volume (2022)
Loudoun Times-Mirror, Best of Loudoun Mortgage Professional (2013-2020)
Team Production Manager, Sr. Loan Officer
NMLS ID 890671 Get Started
Maggie Yost
Team Production Manager, Sr. Loan Officer
NMLS ID 1026308 Get Started
Chris Glazewski
Senior Loan Processor
Ciara Thomas
Processor
What Others Are Saying About Kristi
5.0
The rapid responses to questions and the constant willingness to review and re-explain things when I was confused or unsure. You guys worked so hard for me. Thank you.
I am grateful for Kristi Hardy's and her team's assistance in getting the mortgage loan approved. It was a pleasant experience and I would recommend their services to family and acquaintances.