Kristi Hardy

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 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 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:

Affiliations:

• Virginia Mortgage Bankers Association | Board Member