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 is amazing to work with. She communicates frequently and is efficient at getting your loan approved quickly. I highly recommend her to anyone that is looking for a mortgage lender!
Reply from Kelly Santos
December 3rd, 2025 05:58 PM
Thank you very much Gary! Coming from a professional like yourself I consider that the highest of praise.
Kelly Santos is an excellent mortgage lender who has helped many people achieve their dream of homeownership. Her extensive knowledge of the mortgage market and her ability to find the best deals for her clients have made her a top choice for...
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Reply from Kelly Santos
December 3rd, 2025 05:58 PM
Thank you Antoinette! I really appreciate your extremely kind words!
I am a realtor and always recommend Kelly and her team whenever a buyer needs a loan to purchase a home. My business depends on a lender that can quickly approve a loan. Many first time buyers are overwhelmed by the process. Kelly will walk...
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Reply from Kelly Santos
December 3rd, 2025 05:58 PM
Thank you so much Manny! You are an awesome realtor partner and any client that is working with you is very well taken care of!
Kelly!! Without a doubt , educated me,made me feel like somebody!
Reply from Kelly Santos
December 3rd, 2025 05:58 PM
Thank you so much Gertrude! It was our pleasure! We appreciate your kind words very much.
Kelly....kind to me,and never made feel stupid ,,asking many questions.bless her..xo
Reply from Kelly Santos
December 3rd, 2025 05:58 PM
Thank you Gertrude! It was truly our pleasure!
Kelly has been amazing in helping my family MULTIPLE times with mortgages. Our own home, friends, coworkers, and family. I highly recommend her!
Reply from Kelly Santos
December 3rd, 2025 05:58 PM
Thank you very much Leah! It has been my honor to serve you and your family!
Caring, quick and knowledgeable with all my questions. I wouldn't go to anyone else.
Reply from Kelly Santos
December 3rd, 2025 05:58 PM
Thank you so very much Paul!
Kelly Santos and her team worked diligently to get me approved for my very first mortgage and I just couldn’t be happier. They were by my side through the whole process and I will recommend Kelly Santos every time. She is super sweet and very...
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Reply from Kelly Santos
August 5th, 2022 10:05 PM
Thank you for such kind words Christina! It was TRULY our pleasure! We are so happy that you have your own home!! 🏡
Kelly and her team did a fantastic job of getting our loan closed. They were organized and worked together seamlessly. We would not hesitate to recommend or use her again!
Reply from Kelly Santos
June 1st, 2022 07:57 PM
Thank you so much! We loved working with you and Mark to get you in your new home! Thank you for your trust!!! ❤
Kelly and her team simply described...
"Highly professional, knowledgeable and responsive" They navigated me through all phases of the process and stayed in touch throughout . I highly recommend Kelly
Reply from Mary Galverdi
May 18th, 2022 08:14 PM
Cont. The level of care, attention to detail, and professionalism demonstrated by Kelly and her team far surpassed my expectations. When a couple of issues came up they handled them and went above and beyond to resolve them. I can't tell you...
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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)