Kristi Hardy Team at Atlantic Coast Mortgage

Kristi Hardy Team at Atlantic Coast Mortgage


Sent you a PM
Sending a like for this page.
Hi Kristy, TJ and I want to come to your event! Will you post the link again
Home buying is supposed to be stressful but Atlantic Coast Mortgage ensured I got the home of my dreams and made the process as seamless, efficient, and I really felt that my best interests were considered the whole way. Thank you all so much for your professionalism and i will be so sure to refer you to anyone I know in the market :-)
Loved speaking to you today.Savvy Business network
Good news about credit reporting. How does this affect you? BTW, did you know that I can go down to 580 credit scores? :)

Atlantic Coast Mortgage LO NMLS # 194938 | Company NMLS ID #643114 (

Atlantic Coast Mortgage, LLC, is a full service residential mortgage lender. We are experts in navigating the challenging, heavily regulated loan process, securing financing smoothly and successfully. Company NMLS ID #643114 (

Mission: I am dedicated to providing exceptional customer service and knowledge you can trust. I strive to make each client feel comfortable and maintain my clients as friends for life.

See what my clients are saying!

Thankful for thankful people 😍💥🍾

Are you ready for your #RefiRaise ?

Atlantic Coast Mortgage

As a local lender with deep roots in the communities we serve, Atlantic Coast Mortgage (ACM) is proud to announce that we are partnering with World Central Kitchen (WCK) to give back and help those in need.

Our mission is simple – to make a meaningful impact in the fight against COVID-19 to help keep everyone fed and healthy, including our first responders, while also supporting our local restaurant industry.

During April & May 2020, our loan officers have pledged to donate for each loan they close, and ACM has pledged to match this donation 100%!

We know that a nourishing meal in a time of crisis is so much more than a plate of food – it’s a way to provide hope, dignity, and strengthen the unbreakable spirit of the communities we love and cherish.

If you would like to partner with us, you can help us spread the word by simply referring clients, friends, and family who are currently in the market to purchase, build, or refinance a home. Or, you can donate directly at!

There are no small ways to give back, and even the smallest contribution can make the biggest difference. Remember, we’re all in this together, and together we’ll get through it.

#ChefsForAmerica #ACMLending #ACMGivesBack #COVID19

It’s an honor to receive this recognition from “The Washingtonian”! Another shout out to the people who deserve it - #TeamHardy Maggie Yost, Dana Chapman, Chris Glazewski, everyone at #acmlending and all of the FAB clients and referrals partners. THANK YOU ALL SO MUCH! 🍾

Thank you!!!!
So nice to be in the top 1% in the nation for loan officers. Special shout out to the dream team Maggie Yost Dana Chapman and Chris Glazewski who made it all happen. Thank you to the best referral partners and clients ever! Truly blessed. 😘
Everyone at Atlantic Coast Mortgage makes it easy!

The Carolyn Young Real Estate Team

Join us tomorrow for a live and interactive update!

How is COVID-19 affecting mortgages? Tune in tomorrow, April 7th, at 2:00 pm EST for Carolyn's Tuesday Tips with special guest Kristi Bain Hardy, VP & Sr. Loan Officer at Atlantic Coast Mortgage for a Zoom Webinar to find out!
Please click the link below to join the webinar and put in the listed Password 038728:…
Password: 038728

Thank you!

#ACMLending #InThisTogether #SocialDistancing #StayHome #BetterTogether #TogetherWeStand #COVID19

[02/25/20]   BOOM! Refi Boom that is! How would you like a nice big easy raise this year?
As a homeowner, you may be okay with what global uncertainty does to rates. Rates have been pushing long-term lows off-and-on for months. In fact, we've spent more than seven months in territory that makes refinancing attractive for big contingent of homeowners who purchased or refinanced in 2017-2018, and surprisingly, borrowers who refinanced in early 2019 are already back in the money for another refi. Lenders are experiencing the strongest refinance demand since 2012.
I have said it a few times and I'm saying it again now, don't wait, let me give you a refi raise today! If you have a rate over 3.75%, have mortgage insurance, want some cash out to pay off debts, want to switch to a 15 year fixed (may even get into the 2's), switch out of an fha loan into a conventional with no mortgage insurance... the list goes on... just call me 571-246-6767 or send a snapshot of your current mortgage statement to [email protected] along with your approximate credit score and we'll send you some quick numbers to see if it makes sense for you.
Please share this post with anyone you think deserves a refi raise today! In the last week, I have locked in over $300K a year in savings for my clients! How would you like a nice big easy raise this year?

Check out Kristi Bain Hardy, Atlantic Coast Mortgage.

Check out Kristi Bain Hardy, Atlantic Coast Mortgage. Time to vote for the winners in Best of Loudoun. Vote once per day per category thru Feb. 21. Winners will be announced in the Loudoun Times Mirror next month. Kristi Hardy has been voted The Best and Favorite Loan Officer in Loudoun County for many years in a row because she provides world class service, is reliable and someone you can count on. Her loan programs include everything you can think of including Jumbo, VA, FHA, USDA, County Grants, multiple f...

What a blessing it is to have such an amazing team, a supportive company, so many wonderful referral partners and clients! In 2019 we were able to serve 262 clients with their mortgage! To me that means we made a lot of dreams come true and I'm so blessed to be a part of that! Each year we continue to get better and better and I'm so proud to be on this journey with you all. Thank you so much! 2020 here we come!
#Lender2theStars #ACMLending

First Round Voting for the Top Five

Hope you all had a wonderful holiday! Now back to business! 😜
It’s time to vote for the best loan officer in LOCO and I would really appreciate your vote! Only takes a couple of seconds. Please help me. I just love that I have won this for 8 straight years thanks to my amazing clients, referral partners, friends and family. Let’s do it again!
Thank you!!

Just gave her a 40k raise! You want one? #lender2thestars

Had a nice time with my office mates! The place was packed and the conversations lively. #grateful


All #smiles for today’s Team Hardy meeting! This is how we roll! Love saving our clients so much money and helping them into their dream homes! #lender2thestars #acmlending @acmlending

Timeline Photos

Soaking up some good vibes at #risebusiness with some friends from @acmlending @ Charleston, South Carolina

[11/06/19]   One of the best times to buy a new home is from now until the end of the year, because there is less competition.

Almost everyone hunkers down for the holidays.

If you have thoughts of buying, Here is an action plan:

1)Get pre-approved first so you have peace about the financing

2)Hire a local realtor. It matters. A lot.

3) Be confident and make a strong offer when you find the house of your dreams.

[11/01/19]   Hey Guys!

This is How the Fed’s interest rate cut today affects your wallet:

1) Credit card rates will go down
2) Home Equity line rates will go down
3)The interest the bank pays savers will go down
4) Mortgage rates will stay relatively the same. Close to historical lows.

Reach out in messenger if I can help at all 😊

Video Oct 31 10:51:43

Now this is scary!

Had the luxury to spend some time today with an amazing and powerful team of agents from The Carolyn Young Real Estate Team We got creative and made our #visionboards #lifegoals

Loved our field trip to VHDA today! This is such an amazing resource for first time homebuyers! Nice income limits too! Check it out! #VHDAVIP #lender2thestars


[09/25/19]   Ongoing Lock/Float Considerations

2019 has been the best year for mortgage rates since 2011. Big, long-lasting improvements such as this one are increasingly susceptible to bounces/corrections and as of September, it looks like such a correction is underway!

Time to refi or buy now🤩

#TeamHardy #ready for #anychallenge

[08/01/19]   Hey everyone! The federal reserve met yesterday and decided to lower short-term interest rates..... I know it sounds weird, but its too early to know if it will impact long term rates like the 30 year fixed... today’s rates are awesome!! Please reach out if you want me to run any specific numbers for you. I’m giving out refi-raises like crazy! You get a raise! You get a raise! You get a raise!

Vote for your favorites

Hi there!
It’s time to vote for your favorite mortgage lender! Only takes a sec... can I count on you for your vote? Voting ends in 3 days. Thank you and have a blessed day! Share your recommendations about your favorite places, people and businesses. Voting continues until June 30.

Almost half of all renters regret not buying a home – study And most renters regret at least one thing about their homes

If you’re renting, you’re paying for a mortgage, just not your own! Check out how much you spend doing that. 😳😳😳 Rates are low, and we can do 100% financing! It’s time to buy!

Last day of school fun!

@restonpride Starts in 7 minutes! Lots of fun stuff! Venders and @sackettsheri #lender2thestars

15 years ago today! #65roses @ Village at Leesburg

Did you know May is National Moving Month?
Give a shout out to all of the hard working real estate professionals and moving companies out there who make it possible!

#ACMlending #NationalMovingMonth #HereToGuideYouHome #HugaRealtor #TipYourMovers #Lender2TheStars

This is a true testimonial for using a expert realtor and mortgage team in this very competitive market!
Way to go Keren Jayne, Pearson Smith Realty for winning this VERY COMPETITIVE condo for your client! Love that we were able to also make a good impression on the sellers and the listing agent.

The condo market in Northern Virginia (especially in Alexandria & Arlington) is hot and competitive.
With some creative strategies and thanks to the strong relationships I've built with a local and trusted mortgage team (Kristi Hardy Team at Atlantic Coast Mortgage), we were able to win this contract against 4 other offers!
I'm so excited for my client!

Meet the Kristi Hardy Team at ACM

Kristi Hardy has been voted “The Best Loan Officer” in Loudoun County each year for 8 YEARS IN A ROW by Leesburg Today/Loudoun Times-Mirror and “Loudoun’s Favorite Mortgage Broker” for 2016, 2017, 1st Runner up in 2018, and winner in 2019 by LoudounNow & “Best Loan Officer” of Fairfax by The Sun Gazette, listed in the Top 1% Mortgage Originators in America listed in Mortgage Executive Magazine for 2016, 2017 & 2018, and most recently ranked in the Top Women Originators for 2018 by Scotsman Guide!

Kristi Bain Hardy | VP & Senior Loan Officer | NMLS ID # 194938

Prequalify Online:

Atlantic Coast Mortgage, LLC is an Equal Housing Lender Company NMLS ID #643114 (

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See what my clients are saying!




20365 Exchange St, Ste 300
Ashburn, VA

Opening Hours

Monday 08:00 - 22:00
Tuesday 08:00 - 22:00
Wednesday 08:00 - 22:00
Thursday 08:00 - 22:00
Friday 08:00 - 22:00
Saturday 08:00 - 20:00
Sunday 08:00 - 20:00
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