Kristi Hardy

Meet Kristi

With more than 20 years of experience as a mortgage loan officer, Kristi Hardy has built an outstanding reputation for helping clients navigate the home financing process with confidence and clarity. A graduate with honors from Virginia Tech and the Xinnix Mortgage Academy in Atlanta, Georgia, Kristi’s career has been defined by consistent performance, exceptional service, and a deep commitment to client education.

Kristi’s expertise spans a wide range of traditional and specialized mortgage programs, allowing her to craft customized financing solutions that align with each client’s unique needs and financial goals. Her clients value her transparent communication style, thorough guidance, and ability to simplify even the most complex aspects of the mortgage process. Whether assisting first-time buyers, move-up purchasers, or real estate investors, Kristi approaches every transaction with genuine care and attention.

Kristi’s consistent dedication has earned her numerous local and national honors, including:

• Lifetime Achievement Award, Elite Producer & Best Mortgage Professional (Washingtonian Magazine)
• Best of Loudoun – Loan Officer, 12 Consecutive Years / 2013-2024 (Loudoun Times-Mirror)
• Best of Ashburn – Loan Officer 2024 (Ashburn Magazine)
• Loudoun’s Favorite – Mortgage Loan Officer, 9-Time Winner / 2016-2023 (LoudounNow.com)
• Top 1% of Mortgage Originators in America, since 2016 (Mortgage Executive Magazine)
• Top Originator, since 2018 (Scotsman Guide)
• Top 5 Woman Originator in Virginia, since 2021 (Scotsman Guide)

In addition to her production achievements, Kristi remains actively involved in professional and community organizations that support homeownership and financial education.

Outside of work, Kristi enjoys spending time with her family, including her two sons. Her personal interests include reading, traveling, pilates, pickleball, snowboarding, and real estate investing — passions that keep her grounded and energized as she serves her clients.

For personalized guidance and a home financing experience built around your goals, trust The Kristi Hardy Team at Atlantic Coast Mortgage.

Licensed in:

Affiliations:

• Virginia Mortgage Bankers Association | At-Large Director
• Platinum Level Strategic Partner - Northern Virginia Association of Realtors® (NVAR)