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
Thank you for your fast communication and fast process,
Reply from Kelly Santos
December 3rd, 2025 05:58 PM
I appreciate your positive feedback, Normando. I'm here for any future needs you might have. Thank you for the high rating!
Very professional and response time is excellent.
Reply from Kelly Santos
December 3rd, 2025 05:58 PM
I appreciate your positive feedback, Mark. Your satisfaction is our top priority at Tidewater Mortgage Services. I'm glad to hear that my professionalism and response time met your expectations. Please don't hesitate to reach out if you need...
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The communication and your mortgage website was easy to go through.
Reply from Kelly Santos
December 3rd, 2025 05:58 PM
I'm thrilled to hear that your experience with us was a positive one, Taylor! I'm particularly pleased to know that you found our communication to be effective and our mortgage website easy to navigate. Your 5-star review means a lot to me....
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Excellent experience!!!
Reply from Kelly Santos
December 3rd, 2025 05:58 PM
I'm so grateful for your positive feedback, Kathleen! I'm thrilled to hear that you had an excellent experience with us. It was a pleasure working with you and helping you with your needs. Your 5-star rating truly means a lot to me. Thank you...
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Kelly and her team are kind and professional. They made the process stress free.
Reply from Kelly Santos
December 3rd, 2025 05:58 PM
Thank you so much for your positive feedback, Kathleen. I'm thrilled to hear that my team and I were able to make your process stress-free. Your kind words have made our day! Please don't hesitate to reach out if you have any further needs....
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Able to close the loan less than 30 days and great communication
Reply from Kelly Santos
December 3rd, 2025 05:58 PM
Thank you very much, Eugene, for your kind words and the wonderful rating. I'm glad to hear that you were satisfied with the communication and the speed of our loan process. It was indeed my pleasure to assist you. Please feel free to reach...
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Kelly and her team are simply amazing! They made our first time home buying process a breeze! Highly recommended!!
Reply from Kelly Santos
December 3rd, 2025 05:58 PM
I'm incredibly grateful for your kind words and the amazing review, Sarah! It was OUR pleasure to help you navigate through your first home buying process. Your recommendation means a lot to me and my team. Remember, we're always here to assist...
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Kelly and her team made our first time home buying process a breeze!!! They are absolutely amazing, Very helpful and knowledgeable. Highly recommend to anyone looking to buy a home! 😀
Reply from Kelly Santos
December 3rd, 2025 05:58 PM
I'm truly touched by your kind words, Sarah. It was a pleasure to assist you with your first home purchase and I'm thrilled to hear that you found the process smooth and informative. Your recommendation means a lot to me and the team here at...
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If you are looking for a company who will help you every step of the way and answer any questions you have (no matter how simple or possibly annoying), then look no further. Loved working with tidewater
Reply from Kelly Santos
December 3rd, 2025 05:58 PM
Thank you so much for your kind words, Jeromy. I'm really pleased to hear that you felt supported throughout the process and your experience with Tidewater Mortgage Services was positive. We strive to provide the best service to our clients...
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The compassion and understanding that was shown to new home buyers, and a willingness to guide us through this confusing process
Reply from Kelly Santos
December 3rd, 2025 05:58 PM
I'm truly grateful for your kind words, Jeromy. It was a pleasure to guide you through this process and assist you with your first home purchase. Your satisfaction is my top priority, and I'm delighted to hear that you felt supported. Thank...
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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)