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
Sat
closed
Sun
closed
Mon
9 AM to 5 PM
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Reviews from Web
Extremely knowledgeable, task and detailed focused. Anticipated potential changes affecting loan stacking resulting from HUD changes to Florida State and Pasco County PDA loans. She is simply the best would always recommend her.
Reply from Kelly Santos
July 7th, 2026 08:02 PM
Gerard, I really appreciate your kind words and the 5-star rating. It's great to know that my focus on details and knowledge about loan changes was helpful to you. Thank you for your recommendation, and feel free to reach out if you need any...
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Kelly was very knowedgable and lrofesional.and got me more than what I needed in my loan .
Would definitely recommend her ..
Reply from Kelly Santos
September 1st, 2026 03:51 PM
I'm grateful for your kind words, Joseph. It's wonderful to hear that you found my knowledge and professionalism helpful in securing your loan. Your recommendation is greatly appreciated!
Kelly and her team are the absolute best. From start to finish they make sure everything is taken care of. They are very communicative. They follow up quickly. I will refer her to anyone who needs a mortgage or loan.
Reply from Kelly Santos
September 1st, 2026 03:52 PM
Thank you, Kelly, for the wonderful feedback. I'm pleased to know that you found our communication and follow-up helpful throughout the process. Your referrals are greatly appreciated and I’m glad to have been able to assist you.
Kelly is the best around ! She guided me through the whole process and made sure all my paperwork was submitted correctly. Not to mention, she was always willing to answer any and all questions I had . Kelly was a pleasure to work with , and...
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Reply from Kelly Santos
September 1st, 2026 03:52 PM
Thank you, Kelly, for the wonderful feedback. I'm pleased to know that you found our communication and follow-up helpful throughout the process. Your referrals are greatly appreciated and I’m glad to have been able to assist you.
Kelly and her team made everything easy throughout the whole proces. Communication was great 😊
Reply from Kelly Santos
September 1st, 2026 03:52 PM
I'm happy to hear that the process was easy for you, Kenneth. I appreciate your kind words about our communication. Thank you for the wonderful rating!
I am truly happy that I had the opportunity to work with Kelly. She is truly professional, helpful, and always available. I highly recommend her to everyone.
Reply from Kelly Santos
April 29th, 2026 02:10 PM
We're grateful for your positive feedback, Claudia. It's wonderful to hear that Kelly's professionalism and helpfulness made such a great impact on your experience with us. Thank you for recommending her so highly!
Kelly and her team examined everything every step of the way, so that I could understand it. They were all promt at returning phone calls, emails, and text msgs. No one ever got upset at all the questions or concerns I had, being a first time...
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Reply from Kelly Santos
April 29th, 2026 02:11 PM
Thank you, Taryn, for sharing your wonderful experience with Kelly and her team. We're pleased to hear that their thoroughness and prompt communication made your first homebuying journey smooth and comfortable. Your recommendation means a great...
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Great, friendly service.
Reply from Kelly Santos
April 29th, 2026 02:14 PM
Thank you Russ for the great feedback and the 5-star rating!
Kelly and her team were always on top of everything. Great communication and quick close.
Reply from Kelly Santos
April 29th, 2026 02:15 PM
I'm grateful for your positive feedback, Cynthia. It's wonderful to know that you appreciated our communication and the quick closing process. If you have any more needs in the future, please feel free to reach out.
Kelly was wonderful to work with, was very responsive and helpful i I highly recommend her
Reply from Kelly Santos
April 29th, 2026 02:15 PM
I appreciate your kind words and recommendation, Susan. It was a pleasure working with you and I'm glad I could be responsive and helpful during the process. If you ever need assistance in the future, please feel free to reach out.
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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)