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
Tues
9 AM to 5 PM
Wed
9 AM to 5 PM
Thu
9 AM to 5 PM
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Reviews from Web
Kelly gets the job done when others can't. Very easy to work with. Would definitely recommend!
Reply from Kelly Santos
December 3rd, 2025 05:58 PM
Thank you so much for the positive review, Peter! Your recommendation means a lot to me.
Kelly has been able to help so many of our friends and family. She works with everyone from first time home buyers to veterans and so much more. She makes the entire process run smoothly and has her client's best interest in mind. I can't say...
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Reply from Kelly Santos
December 3rd, 2025 05:58 PM
Thank you so much Jamie! I truly appreciate clients that you have referred to me and always strive to treat them with the utmost care!
Absolutely terrific service! We place our full faith and trust into Kelly and this team.
Reply from Kelly Santos
December 3rd, 2025 05:58 PM
Thank you Dallas! I am thankful for and appreciate your trust!
I've used Kelly several times in the past and referred others to her and she and her team have always given outstanding service. I highly recommend them to anyone.
Reply from Kelly Santos
December 3rd, 2025 05:58 PM
Thank you very much Bob! I am honored that you trust me and my team so much and appreciate your business and referrals immensely!
Kelly has helped me and my family members get affordable mortgages. She's great at finding down payment assistance programs and has a wealth of industry knowledge that I have benefitted from on several occasions. Her and her team are so attentive...
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Reply from Kelly Santos
December 3rd, 2025 05:58 PM
Thank you Lloyd! You know I get the most joy from helping first time homebuyers! I appreciate you!
Kelly is very knowledgeable and helpful! She has helped so many first time and experienced home buyers.
Reply from Kelly Santos
December 3rd, 2025 05:58 PM
Thank you Tracy!
I have used Kelly for several purchases. She is knowledgeable, trustworthy and honest. She is always so helpful. She is thorough. She always makes the process as easy as possible. I recommend her to everyone buying a home.
Reply from Kelly Santos
December 3rd, 2025 05:58 PM
Thank you Kelly! I am honored when clients return to me time and again for their mortgage needs and consider it the highest compliment when you refer me to others! Thank you!
Kelly Santos would tidewater mortgage is the best in the county
Reply from Kelly Santos
December 3rd, 2025 05:58 PM
Thanks so much Randy!!
Kelly is extremely knowledgeable in her field and goes above and beyond to help her clients. Kelly is my go to person for any mortgage needs!
Reply from Kelly Santos
December 3rd, 2025 05:58 PM
Thank you Manjola! I appreciate the faith you place in me!
Kelly Santos is fantastic. When your closing on a house there are a lot of things that need to go perfectly, Kelly makes it happen on time with no hiccups. I would not use anyone else!
Reply from Kelly Santos
December 3rd, 2025 05:58 PM
Thank you from the bottom of my heart Jeff. I appreciate your trust!
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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)