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
She made the process smooth.
Reply from Kelly Santos
December 3rd, 2025 05:58 PM
Thank you so much for your kind words, Andrea. I'm thrilled to hear that you found the process smooth - that's always my goal. Your positive feedback truly means the world to me. Should you ever need any more assistance, please don't hesitate...
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It was super easy to communicate and made everything easy to navigate through.
Reply from Kelly Santos
December 3rd, 2025 05:58 PM
Thank you very much for your kind review, Madison. I'm delighted to hear that you found our communication easy and our processes to be straightforward! It was a pleasure serving you, and I'm here if you need any further assistance. Your satisfaction...
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Your team was so kind and informative! They were dilegent to make sure I had everything I needed to complete this.. I couldn’t of asked for a smoother process.. the only bumps along the road were from my lack of understanding 😝😂 you guys...
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Reply from Kelly Santos
December 3rd, 2025 05:58 PM
Thank you so much, Reign, for your generous feedback! I am thrilled to hear that you found the process smooth and the team kind and informative. Your kind words truly make our day! We strive to provide the best service possible and your 5-star...
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Mike Williams is amazing. When I say he goes out of his way checking any and all programs it's not a lie. This man is the poster child for what a mortgage lender should be. Mike went above and beyond holding our hand every step of the way....
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Reply from Kelly Santos
December 3rd, 2025 05:58 PM
Thank you so much for your kind words, Chris! I'm delighted to hear that you had such a positive experience with Mike Williams. He truly embodies what we strive for at Tidewater Mortgage Services – to go above and beyond for our clients. If...
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Buying my first home was confusing and very intimidating. Kelly and her team were ready to help me understand all of the confusing terminology and give me sound advice when needed
Reply from Kelly Santos
December 3rd, 2025 05:58 PM
I'm thrilled to know that you found our support helpful during your home buying process, Carissa. My team and I are dedicated to making sure every first-time homeowner feels empowered and well-informed about every decision they make. Your positive...
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Buying my first home was confusing and very intimidating. Kelly and her team were ready to help me understand all of the confusing terminology and give me sound advice when needed
Reply from Kelly Santos
December 3rd, 2025 05:58 PM
I'm thrilled to know that you found our support helpful during your home buying process, Carissa. My team and I are dedicated to making sure every first-time homeowner feels empowered and well-informed about every decision they make. Your positive...
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Kelly Santos has received a review with 5 star rating from Jim D
Reply from Kelly Santos
December 3rd, 2025 05:58 PM
I'm so thrilled to hear that you had a five-star experience with us! It's always gratifying to know that our hard work is appreciated. I truly enjoyed working with you, Jim, and I'm here if you need any more assistance. Thanks for taking the...
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There are so many shady people around these days. Kelly I have done business with before and the only one I trust now.
Reply from Kelly Santos
December 3rd, 2025 05:58 PM
I'm so thrilled to hear that you had a great experience with us! It's always gratifying to know that our hard work is appreciated. I truly enjoyed working with you, Jim, and I'm here if you need any more assistance. Thanks for taking the time...
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Friendly, knowledgeable and professional
Reply from Kelly Santos
December 3rd, 2025 05:58 PM
I appreciate your kind review, William. It truly means a lot!
She is prompt and responsive.
Reply from Kelly Santos
December 3rd, 2025 05:58 PM
Thank you, Pradeep, for the positive review and 5-star rating. I'm delighted to hear that you appreciated my prompt and responsive service. It's always my goal to provide the best possible service to our valued customers. Thank you for choosing...
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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)