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
It was a super easy process they made sure everything was able to be taken care of in a timely order
Reply from Kelly Santos
December 3rd, 2025 05:58 PM
Evangeline, I appreciate your stellar rating and positive feedback! It's rewarding to know that you found the process with us easy and efficient. Thank you for choosing us for your mortgage needs! - Kelly Santos
Everything was easy to understand and quick
Reply from Kelly Santos
December 3rd, 2025 05:58 PM
I'm thrilled to know that you found our process at Tidewater Mortgage Services easy and quick, Madisyn. It was a pleasure to serve you. Your 5-star rating is greatly appreciated! Don't hesitate to reach out if you need any further assistance....
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Kelly Santos has received a review with 5 star rating from Natalia S
Reply from Kelly Santos
December 3rd, 2025 05:58 PM
Thank you Natalia!
Quick and easy!
Reply from Kelly Santos
December 3rd, 2025 05:58 PM
I'm thrilled to hear that you found the process to be quick and easy, Natalia! Y Thank you for the 5-star rating! Please don't hesitate to reach out if you need any further mortgage-related services in the future.
Kelly was amazing. This is the second time I have used her as a broker and she never disappoints. She is willing to ensure that her customers are taking care of and supported every step of the way. I would recommend her without hesitation....
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Reply from Kelly Santos
December 3rd, 2025 05:58 PM
I'm truly touched by your kind words, Laura. It was a pleasure assisting you for the second time with your mortgage needs. Your trust and confidence in my work mean more than words can express. Rest assured that I'm here for you whenever you...
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Kelly and the team were very helpful and the whole process from pre approval to closing was handled in a very timely manor. Thank you for all of your assistance.
Reply from Kelly Santos
December 3rd, 2025 05:58 PM
I appreciate your positive feedback, Edward! I'm really glad to hear that my team and I were able to assist you efficiently from pre-approval to closing. Thank you for the 5-star rating. It was a pleasure working with you.
We were very happy with how smoothly the whole process took from beginning to end.
Reply from Kelly Santos
December 3rd, 2025 05:58 PM
I'm so glad to hear that you were happy with the process, Marlene! Ensuring a smooth experience from start to finish is always our goal at Tidewater Mortgage Services. Your positive feedback means a lot to me. Don't hesitate to reach out if...
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Kelly is amazing so helpful and always on top of everything.
Reply from Kelly Santos
December 3rd, 2025 05:58 PM
Thank you so much for your kind words and the perfect rating, Rebecca! I'm thrilled to hear that you found my assistance helpful. I strive to stay on top of everything to provide the best service possible!. It was a pleasure working with you....
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Better communications, emails that were not sent at the end of the business day. So we lost out on a day. Also, some questions that should have been asked sooner, were asked later or when a problem occurred.
Reply from Kelly Santos
December 3rd, 2025 05:58 PM
I appreciate your feedback, Anthony. I'm sorry to hear that you were not fully satisfied with our communication process. Your concerns about the timing of emails and the timing of certain issues being addressed are duly noted. I will work diligently...
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She helped me purchase my very first home. She made the process smooth. Higley recommend
Reply from Kelly Santos
December 3rd, 2025 05:58 PM
I'm thrilled to hear that your first home buying experience was a smooth one, Andrea! It was a pleasure assisting you throughout the process. Your recommendation is highly appreciated. If you ever need assistance in the future, don't hesitate...
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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)