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 professional, experienced, knowledgeable, patient, efficient, very fast, great communication, and saved me lots of time and money. I highly recommend them to everyone looking to purchase or refinance a home. I couldn't...
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Reply from Kelly Santos
December 3rd, 2025 05:58 PM
I'm absolutely thrilled to hear such positive feedback, Deborah! It's incredibly rewarding to know that you found the service professional, efficient, and valuable. My team and I always strive to provide top-tier service to our clients at Tidewater...
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The communication and the whole process was outstanding!
Reply from Kelly Santos
December 3rd, 2025 05:58 PM
Thank you very mush for your great rating Timothy! It was a pleasure working with you! If we can be of service in any way in the future, please reach out!
The communication and prompt attention to everything.
Reply from Kelly Santos
December 3rd, 2025 05:58 PM
Thank you for your kind words and the 5-star rating. It's been a pleasure to provide you with prompt service and effective communication during your experience with Tidewater Mortgage Services. Don't hesitate to reach out if there's anything...
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Kelly and her team were fast and efficient for me. Got me a great interest rate and everything went well we closed on time
Reply from Kelly Santos
May 14th, 2024 12:46 PM
Thank you for the great review Andrew!
They were fast efficient and got me a great interest rate
Reply from Kelly Santos
December 3rd, 2025 05:58 PM
I'm thrilled to hear that you found our process efficient and that you're pleased with your interest rate, Andrew! Your satisfaction is my top priority. Thanks for the 5-star rating and for choosing Tidewater Mortgage Services for your needs....
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No matter what came up during the process, Kelly worked the problem and remained confident.
Reply from Kelly Santos
December 3rd, 2025 05:58 PM
Thank you so much for the 5-star rating, Jeff! Your review means a lot to me!
Lots of communication, answered all questions I had.
Reply from Kelly Santos
December 3rd, 2025 05:58 PM
I'm so glad to hear that you had a positive experience, Brandy! It was my pleasure to guide you through the process and answer all your questions. I'm here for any future needs you may have. Thank you for your kind review and for the 5 star...
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Kelly Santos has received a review with 5 star rating from Kayla S
Reply from Kelly Santos
May 13th, 2024 02:04 PM
Thank you for the 5 star review Kayla! If there's anything we can help with in the future, please reach out. We are here for you!
Kelly answered all my questions and helped walk me through the home buying process, she was very attentive and great to work with!
Reply from Kelly Santos
December 3rd, 2025 05:58 PM
I appreciate your kind words, Kayla! I'm thrilled that I could assist with your home buying process and answer all your questions. It's always my goal to make the process as smooth and understandable as possible. Thanks for the 5-star review...
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Reply from Kelly Santos
December 3rd, 2025 05:58 PM
Thank you Andrew for the 5-star review! I'm thrilled to see your satisfaction regarding your experience with us at Tidewater Mortgage Services. It was a pleasure working with you, and I'm always here if you need any further assistance. Thanks...
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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)