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
Mon
9 AM to 5 PM
Tues
9 AM to 5 PM
Wed
9 AM to 5 PM
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Reviews from Web
Kelly is very thorough getting mortgages closed. She helps her clients guide them through the sometimes difficult process. Definitely would recommend Kelly.
Reply from Kelly Santos
July 10th, 2024 07:10 PM
Thank you very much Ronald! I very much appreciate your recommendation!
It was between great and good.
Reply from Kelly Santos
December 3rd, 2025 05:58 PM
I appreciate you taking the time to provide feedback, Paul. I'm glad to hear that your experience with us at Tidewater Mortgage Services was somewhere between good and great. I'm always striving to provide a 5-star service, and I'd love to...
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Kelly Santos has received a review with 5 star rating from James S
Reply from Kelly Santos
July 8th, 2024 08:06 PM
Thrilled to hear about your positive experience, James! Your 5-star rating means a lot! If you have any more questions or need further assistance, feel free to reach out.
Timeline was always discussed and always in communication with us
Reply from Kelly Santos
December 3rd, 2025 05:58 PM
I'm thrilled to hear that you had a positive experience with your timeline and communication with us, Nancy. Your 5-star rating is greatly appreciated. Let me know if there's anything else I can assist you with in the future. - Kelly Santos
Outstanding personal service going the extra mile to help me gather all the necessary information I needed to help me in my family through moving through the sale of our home
Reply from Kelly Santos
December 3rd, 2025 05:58 PM
Thank you James (Jimmy!) It was a pleasure to go the extra mile for you and your family during this important transition. I'm always here to assist with any future needs. Thank you for the outstanding rating!
Kelly and Kerry are incredibly responsive, and always communicate the latest updates throughout the entire process. The portal to upload documents is also straightforward and easy to use.
Reply from Kelly Santos
December 3rd, 2025 05:58 PM
Thank you Kevin! Your feedback about the efficient communication and easy-to-use portal is much appreciated! We are here for you if you should need us in the future!
As a first time homebuyer, Kelly and her team made a very stressful process into a very easy one. Kelly and her team were very prompt with the many questions that my girlfriend and I asked and they were always willing to go above and beyond...
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Reply from Kelly Santos
December 3rd, 2025 05:58 PM
Hi Brant, I'm thrilled to hear that you had such a positive experience with our team! Assisting first-time homebuyers like you is always an honor for us. We aim to make the process as simple and stress-free as possible. Thank you so much for...
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Kelly helped us in everything even when we had lots of hiccups and she was patient. We’re thankful.
Reply from Kelly Santos
December 3rd, 2025 05:58 PM
Yoli, I deeply appreciate your kind review and the 5-star rating! It was a pleasure working with you and helping you navigate through the process. :-) Feel free to reach out if you need any more assistance in the future.
Kelly and her team were absolutely amazing and made the process easier. They all made our dreams come true and I couldn’t be more grateful.
Reply from Kelly Santos
December 3rd, 2025 05:58 PM
I'm so thrilled to hear that you had a great experience, Jamie! To know that my team and I could help make your dreams come true is the best part of what we do. Your kind words and the 5-star rating mean so much to us. Thank you for your trust...
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Kelly told us everything we needed to know about the loan process and keep us informed of the progress of the loan.
Reply from Kelly Santos
December 3rd, 2025 05:58 PM
Hi John, thank you for the fantastic review and the awesome rating! I'm thrilled to hear that you were satisfied with the loan process. My aim at Tidewater Mortgage Services is to keep customers like you in the loop at every step. I'm grateful...
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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)