Kristi Hardy Team at Atlantic Coast Mortgage

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.

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!

Here to Guide You Home

#ACMlending #Lender2TheStars

Total Honor to receive this recognition! Not that many of us 🤓😉#lender2thestars

Ukulele southern style 🌺 go Bryce!

#ACMlending #VAhomeloan #Veterans #Military


Proud of the entire Freaky Friday group! What an amazing show!!

Loudoun Home Team

Hot new loan program!

Introducing... a new a brand new, 100%+ financing, NO Mortgage Insurance loan option with Kristi Hardy at Atlantic Coast Mortgage. Don’t miss this FANTASTIC opportunity!


100% financing with NO mortgage insurance, even if you’re not a first time home buyer!

My son (the model) loves me! 🤩❤️🍀 #lender2thestars

@dcbrewersball raising money and awareness for a great charity @cf_foundation

Best of Loudoun 2019

Best of Loudoun 2019

Wow! I’m completely humbled and honored to have received this recognition. I must give credit where credit is due as I am nothing without my A++ team. Maggie, Dana, and Chris, you work so hard and care as much as I do about our clients and I appreciate you more than you’ll ever know. Thank you from the bottom of my heart! For everyone who trusts me with their clients and the biggest financial decision in their lives, thank you! Atlantic Coast Mortgage, LLC has THE BEST support and systems in place. From amazing management, processing, underwriting, secondary, marketing all the way to closing and post-closing! You guys all rock and can’t thank you enough!

So Excited! Thank you to all my clients, industry partners, and of course my amazing team! I couldn't do it without you! #TeamworkMakesTheDreamWork #Lender2TheStars #AtlanticCoastMortgage

Congratulations to VP & Senior Loan Officer, Kristi Hardy on being named Best of Loudoun - Loan Officer by the Loudoun Times-Mirror, for the EIGHTH YEAR IN A ROW! #AtlanticCoastMortgage #Loudoun #BOL2019 #BestOfLoudoun #Congratulations

American Heart Month!

February is #AmericanHeartMonth! At Atlantic Coast Mortgage, we love our clients and hope to be your lender throughout a long and healthy life! #AtlanticCoastMortgage #HeartOfACM #WeLoveOurClients #HeartHealthy

Trying out the yummy new @chefscape So many options, so little time @danascakeshoppe @sandwichbistro @rootedandbloomed @rocoto_gourmet @bar_ahso

Supported by THE BEST in the business! Love these two! #lender2thestars

Having so much fun celebrating our teamwork with these amazing women! #lender2thestars #daveandtim2019

Team Hardy strikes again!
Having fun and enjoying a much-deserved team retreat! #daveandtimmexico #daveandtim2019 #lender2thestars

Timeline Photos

Nice find in Winchester! 👑👠


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Videos (show all)





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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Kevin Iuppa - Embrace Home Loans - NMLS# 915902 Kevin Iuppa - Embrace Home Loans - NMLS# 915902
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As an experienced LO, I have the knowledge and expertise needed to make sure you obtain the best financing available. Exceeding expectations is my passion.

Steve Cowen - NMLS ID #206679 Steve Cowen - NMLS ID #206679
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