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
it was awesome working with Kelly and amerifirst they were very friendly and 100% on top of all paper work I couldn't have done it with out them being my first time buyer they made the experience enjoyable and not stressful I highly recommend...
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Reply from Kelly Santos at Atlantic Coast Mort...
December 1st, 2021 07:32 PM
Thank you so much!! It was our pleasure!
😍Kelly Santos was a Godsend for my buyers and sellers and me! She took a file on a weekend and got the application processed by Monday morning, ordered appraisal, and got value back within 4 days. We closed on 2 sales in 10 days! In 20 years...
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Reply from Kelly Santos at Atlantic Coast Mort...
July 13th, 2021 11:44 PM
Thank you James! We were glad to be able to help! You and your team were a pleasure to work with for sure!
The entire experience of buying our home in Florida was made so easy and smooth by the whole Amerifirst team, we have no complaints at all. Thank you Kelly and all the staff at Amerifirst.
Reply from Kelly Santos at Atlantic Coast Mort...
June 4th, 2021 08:24 PM
Thank you so much Giovanni!!! it was our pleasure!
Kelly and team were amazing. They kept me informed and didn't mind my OCD questions or holding my hand through a difficult transition. And this wasn't a large loan but they still treated me like a million dollar client.
Reply from Kelly Santos at Atlantic Coast Mort...
October 13th, 2020 10:20 PM
Thank you so much! It was our pleasure!
Kelly and her team made this process incredibly easy. We had a lot of communication throughout the process. Our refinance was easy and smooth.
Reply from Kelly Santos at Atlantic Coast Mort...
September 22nd, 2020 01:08 AM
Thank you so much!
From the first conversation through 'Clear to Close', the most pleasant experience! Kelly, Mary and Kerry were awesome. They explained the process clearly and helped us each step of the way. They were available for questions whenever I had...
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Reply from Kelly Santos at Atlantic Coast Mort...
October 22nd, 2019 06:23 PM
Thank you so much for sharing your experience Michael! It was completely our pleasure!
Kelly recently completed the mortgage for our new home. She was absolutely amazing from first phone call, to closing she walked us through every step of the process. We couldn’t imagine going through the process with out her patience and expertise....
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Reply from Kelly Santos
April 25th, 2019 01:19 PM
Thank you so much Mike Smith! It was our pleasure!
Kelly is very professional and organized. She came recommended to me from one of my other Realtor friends. Looking forward to working with her again
Reply from Kelly Santos
March 9th, 2019 11:34 PM
Thank you for the very kind words Dawn! I look forward to working with you again too! :-)
Kelly was wonderful to work with. I appreciate that she was always available to answer questions and make the process painless.
Reply from Kelly Santos
January 7th, 2019 01:24 PM
Thank you Doug! It was our pleasure!
This team ROCKS! We were ready to close 2 weeks prior to the actual closing date. Kudos to Kelly and her very efficient team!
I highly recommend!
Reply from Kelly Santos
October 18th, 2018 11:24 PM
Thank you so much Tobey! You were awesome to work with and we are so happy for you to now have your own home!
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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)