Kelly Santos
Branch Manager & Loan Officer | NMLS ID #994273
We believe that a closed loan is not the end of our relationship - it's just the beginning.
Built on commitment, character, and innovation we are a next-generation, customer-focused lender driven by a mission to make the homebuying process... Show More
Contact Info
New Port Richey, FL
Location & Business Hours
Business Hours
Wed
9 AM to 5 PM
Thu
9 AM to 5 PM
Fri
9 AM to 5 PM
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Reviews from Web
Kelly and her team were so detailed about everything. They knew exactly what to do. And they walked me through every step I am so grateful to have met this team . I would recommend them to anyone
Timeliness, answering our questions, quality
Atlantic Coast Mortgage was outstanding from start to finish. The entire process was smooth, efficient, and incredibly well organized, with excellent communication every step of the way. Their team was knowledgeable, responsive, and acted like...
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Reply from Kelly Santos
October 5th, 2026 12:55 PM
I'm very grateful for your generous review, Andrew. It's wonderful to know that you found the process with Atlantic Coast Mortgage smooth and well-organized. I'm pleased to have been part of a team that provided you with such a positive mortgage...
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The level of communication and being on top of the whole buying process and walking me through every detail was extraordinary. It was very overwhelming at times but the staff made it very easy.
I'm a new home buyer, and Kelly and her team made this experience so easy. I was dreading anxiety that I've heard comes along with this whole process from friends and family, but this was one of the easiest major decisions / purchases I've...
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Reply from Kelly Santos
September 9th, 2026 07:33 PM
We're grateful to hear that Kelly and her team made your first home-buying experience smooth and stress-free, Matthew. It's wonderful to know that we could help ease the anxiety often associated with such a significant decision. Thank you for...
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Kelly and her team made everything as easy as possible!
Reply from Kelly Santos
September 2nd, 2026 06:15 PM
I'm pleased to hear that you found the process easy with my team, Kira. Thank you for the great rating and your kind words!
Easy process to follow with continual updates and alerts when something was needed. Even with a change in the structure of the loan there was never any issues. Extremely nice and easy people to work with.
Reply from Kelly Santos
September 1st, 2026 03:51 PM
Thank you, Kelli, for sharing your experience and the great rating. I'm pleased to hear that the process was smooth and that you felt well-informed throughout. It's wonderful to know that working with us was easy and pleasant for you.
Kelly is amazing and did everything possible to make this process smooth and seamless. It was a great experience and I highly recommend her!
Reply from Kelly Santos
July 20th, 2026 02:07 PM
Thank you for your wonderful feedback, Lorena! Your recommendation is greatly appreciated!
Kelly and her team were great to work with and the process went very smoothly. I will recommend them to all of my friends and family.
Reply from Kelly Santos
July 20th, 2026 02:08 PM
We're grateful for your kind words, Lucille. It’s wonderful to hear that we provided a smooth process for you! Your recommendation means a lot to us, and we appreciate your support.
Thank you, Kelly for helping us in getting he loan. You are exceptional!!!
Reply from Kelly Santos
July 7th, 2026 08:01 PM
I'm grateful for your kind words, Maria! I'm happy to have been able to assist you with your loan. If you ever need anything else, please feel free to reach out.
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About
We believe that a closed loan is not the end of our relationship - it's just the beginning.
Built on commitment, character, and innovation we are a next-generation, customer-focused lender driven by a mission to make the homebuying process simple, easy, and stress-free for our clients.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Mortgage Refinance
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Positions
- Atlantic Coast Mortgage - Branch ManagerNov 14th, 2025 - Current
Memberships
- West Pasco Board of Realtors
Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS ID #994273
- Licensed in FL, TN
Hobbies
- Concerts, cooking, going to restaurants, OrangeTheory Fitness
- travel
Disclaimer
Atlantic Coast Mortgage, LLC is an Equal Housing Lender | Company NMLS ID #643114 (www.nmlsconsumeraccess.org) | Doing business in Pennsylvania under the trade name ACM, LLC of PA | Georgia Residential Mortgage Licensee, License # 61978 | Arizona (103946), Colorado, Connecticut (ML-643114), Virginia (MC-5560), D.C. (MLB643114), Delaware (018266), Louisiana, Maryland (19711), West Virginia (ML-34255), Delaware (018266), Tennessee (138203), Pennsylvania (62503), North Carolina (L-164348), South Carolina (MLS - 643114), South Carolina (MLS - 643114 OTN #1), Georgia (61978), Florida (MBR2951), Florida (MLD1461), Kansas (MC.0025719), Maine (643114), Michigan (FR0024148), Michigan (SR0024149), New Hampshire (24683-MB), Oregon (643114), Texas, Wisconsin (643114BA), Wisconsin (643114BR), and Oklahoma (ML012369), (ML013345)