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
Many of my family and friends use this service and partnering services that are connected to Kelly Santos and her team. All great reviews, kind words, and victory in home buying. I will be using Kelly when I seek to becoming a home owner.
Reply from Kelly Santos
December 3rd, 2025 05:58 PM
Thank you for your kind words April! We look forward to serving you when you are ready to buy!
Kelly and her team were friendly, helpful, and very informative.
Reply from Kelly Santos
December 3rd, 2025 05:58 PM
Hi Danny, thank you for taking the time to leave such a great review for us! I'm so pleased that you found my team helpful and informative. It was a pleasure working with you!
Kelly never gave up on me even when I gave up on myself. She made sure to explore every avenue and get my refi pushed through!
Reply from Kelly Santos
December 3rd, 2025 05:58 PM
Nicholas, thank you for your kind words! I'm so happy that I was able to help you refinance your home! Thank you for taking the time to leave such a wonderful review!
Everything from the way the treated me to how hard they worked on making everything possible for me to be able to purchase a home.
Reply from Kelly Santos
December 3rd, 2025 05:58 PM
Thank you so much, Jose! It was our pleasure to have been able to help you with making your dream of owning a home a reality!
Great communication, very easy process
Reply from Kelly Santos
December 3rd, 2025 05:58 PM
Thank you so much for the 5-star rating, Michael! I'm so glad that you found the process to be easy and that you enjoyed the communication. It was a pleasure to work with you.
Kelly was amazing. Always there to answer questions and talk us, (me) off the ledge. Thank you Kelly!
Reply from Kelly Santos
December 3rd, 2025 05:58 PM
Thank you so much, Arica! I'm so happy to hear that I was able to help you and provide the support that you needed. I strive to make the mortgage process as seamless and stress-free as possible for all of my customers. Thank you for taking...
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Communication.
Reply from Kelly Santos
December 3rd, 2025 05:58 PM
Thank you Robert! Earning loyal clients like you is why we do what we do! We appreciate your trust in us!
Kelly is knowledgeable. She follows though when she says she will take care of something. We have referred her to several family members. She takes a personal interest in making sure the process is understandable and not over whelming. She...
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Reply from Kelly Santos
December 3rd, 2025 05:58 PM
Thank you so much Vaughan! I appreciate your trust in me and my team!
Kelly Santos has received a review with 5 star rating from Julie H
Reply from Kelly Santos
December 3rd, 2025 05:58 PM
Thank you for the 5 star review Julie!
I so much appreciated the amount of time and effort that was put in to help me close ...thank you so much..
Reply from Kelly Santos
December 3rd, 2025 05:58 PM
It was our pleasure to help you purchase your first home Julie! Thank you for the positive feedback!
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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)