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

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, South Carolina, 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)
  • LoudounNow, Loudoun's Favorite (2016, 2017, 2019, 2020, 2022)
  • The Sun-Gazette, Best Loan Officer of Fairfax (2019)
  • Top Performers – TOP 1% (2021)

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

Timely responses to our questions.
Simplicity, reliability, timeliness
The communication from start to finish was fantastic.
View More of My Reviews

Homebuying Essentials

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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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