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
Kelly and team made our first time home buying process a breeze. They helped every step of the way and explained each part of the process. We had many questions going into it since it was our first time ever getting qualified for a mortgage....
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We were looking for someone who could help us with a quick closing....we needed to close in less than 30 days. I didn't think I would be able to find anyone who could make that happen. I called 3 different mortgage companies and then a friend...
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Kelly went above and beyond from the very beginning to ensure my clients had a smooth experience. She was easy to work with and very helpful anytime I came to her with questions. I don't know any one else that could have gone from contract...
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Very professional and kind. Every silly question we had was treated with respect and answered. Kelly is fantastic.
When I contacted Kelly about applying for a mortgage, I was a nervous wreck. From the beginning, she offered encouragement and was very positive. The home buying process is very stressful and can be frustrating. I am so grateful that I had...
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Kelly is by far the best mortgage broker I have ever worked with. She will exceed your expectations. I recommend her highly. She is the best.
Reply from Kelly Santos
December 3rd, 2025 05:58 PM
Hello, you appear in my friend recommendation list, I think we have common interests, I sent you a friend request but did not succeed, I look forward to you to give me a friend request, I hope I can have the pleasure of getting to know you...
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Kelly is the kind of professional that I want to do business with. She's a real professional. She's on top of all of her transactions and will answer my calls and questions personally.
Great job at the seminar today, thanks!
Kelly Santos has received a review with 5 star rating from Jeremy L S
Kelly Santos has received a review with 5 star rating from Kelly U D
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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)