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
Mon
9 AM to 5 PM
Tues
9 AM to 5 PM
Wed
9 AM to 5 PM
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Reviews from Web
Always willing to help and always 1 step ahead of the game 👏👏👏
Reply from Kelly Santos
April 29th, 2026 02:15 PM
I appreciate your kind words, Daniele! I'm happy to know that my proactive approach made a positive impact on your experience. If you ever need further assistance, I'm here to help.
Kelly was amazing and kept my wife and i from worrying about anything. If we had a question she would always answer her phone and fix any issues on the spot. I wouldn't go anywhere else.
Reply from Kelly Santos
April 29th, 2026 02:16 PM
Darin, I'm grateful for your positive feedback. I'm pleased to know that I could help ease any worries and provide timely assistance for you and your wife. It's wonderful to hear that you felt well-supported throughout the process. If there's...
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Kelly stayed in constant communication and answered all of our questions promptly, she mad the whole experience as stress free as possible.
Reply from Kelly Santos
April 29th, 2026 02:16 PM
I'm grateful for your kind words, Jennifer. I'm happy to hear that the communication and prompt responses made your experience stress-free. If you have any more questions or need assistance in the future, feel free to reach out.
Kelly and her team were there for my every little question or concern. I always recieved quick responses on any platform (Ie- Text, Email and phone calls). They helped streamline my responsibilities by providing me referrals when I was otherwise...
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Reply from Kelly Santos
April 29th, 2026 02:17 PM
I'm grateful for your kind words, Amber. It's great to know that you found my team and me responsive and helpful throughout the process. I'm pleased we could assist you with referrals and streamline your responsibilities. If you have any more...
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Kelly and her team is what made the experience great. There was a change in companies and I had to resubmit everything I had already provided. It was very frustrating for me and Kelly provided me support through that process. She pretty much...
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Reply from Kelly Santos
December 29th, 2025 06:41 PM
It's great to hear that I was able to support you through the challenges during your mortgage process, Amanda. I'm glad we could navigate the company change together and ease some of that frustration. Your appreciation means a lot, and I'm...
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team and Kelly were absolutely wonderful very informative and pleasant to deal with. I would highly recommend them to anybody.
Reply from Kelly Santos
December 3rd, 2025 05:58 PM
I'm thankful for your kind words, Rose. It's great to hear that you found the experience informative and pleasant. Your recommendation means a lot to me, and I'm grateful for the opportunity to work with you.
Ease and communication was excellent
Reply from Kelly Santos
December 3rd, 2025 05:58 PM
I appreciate your feedback, Michael. I'm glad to hear that you found the ease and communication satisfactory during the process. It's always my goal to make things as smooth as possible for my clients. Thank you for sharing your experience!
Kelly is great!!!
Reply from Kelly Santos
December 3rd, 2025 05:58 PM
I'm glad to see your feedback, Cory. It's gratifying to know that your experience was positive. Thank you for taking the time to leave a review.
Professsionalism
Reply from Kelly Santos
December 3rd, 2025 05:58 PM
Thank you for the perfect rating, Nicole. I'm glad to hear that my professionalism met your expectations. If you ever have more questions or need assistance, feel free to reach out.
Kelly Santos has received a review with 5 star rating from LaFayette M
Reply from Kelly Santos
September 29th, 2025 02:02 PM
LaFayette, I appreciate your 5-star rating. Thank you for your support!
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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)