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
Kelly was amazing, she answered any questions I had and fixed any issues that occurred swiftly.
Reply from Kelly Santos
December 3rd, 2025 05:58 PM
I'm glad to hear that I could help answer your questions and resolve any issues quickly, LaFayette. Your satisfaction is important to me, and I'm grateful for your feedback. Thank you for allowing me to assist you with your mortgage needs!
Kelly Santos has received a review with 4 star rating from Ali E
Reply from Kelly Santos
September 29th, 2025 02:03 PM
Ali, thank you for your rating. I'm glad you took the time to share it!
Excellent communication throughout the property purchase process and the convenience of uploading documents through your platform made a significant difference. The electronic signing feature also made the process seamless.”
Reply from Kelly Santos
December 3rd, 2025 05:58 PM
I'm glad to hear that the communication and convenience of using our platform enhanced your experience, Ali. Ensuring a seamless process is important, and I'm pleased that the electronic signing feature was beneficial for you. Thank you for...
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Kelly & team were amazing and made the home buying process so easy!
Reply from Kelly Santos
December 3rd, 2025 05:58 PM
I'm glad to hear that you found the home buying process easy with my team and me, Gage. Your feedback is greatly appreciated, and I'm pleased we could assist in making your experience a positive one!
I will always use Kelly, she's wonderful to work with and makes every part of the process stress free and easy!
Reply from Kelly Santos
December 3rd, 2025 05:58 PM
Thank you so much, Preston! I’m really happy to hear that you find the process stress-free and easy when working with me. I'm committed to making every step as smooth as possible for you. Looking forward to assisting you again in the future!...
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Kelly is incredibly with her job, my wife and I never thought we'd get our home that we wanted and have it all in the closing date time. No delays no miss communication, kelly and her team are really on top of things there at tidewater. My...
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Reply from Kelly Santos
August 19th, 2025 01:05 PM
I'm so glad to know that you and your wife had such a seamless experience. It's truly rewarding to hear that everything came together as planned, and I'm pleased that I could help make your home-buying journey smooth and successful. Your words...
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Over all kelly and her team were on top of everything no miss communication no delays,very responsive on any questions my wife and i had.The drive that kelly and her team has in incredibly. My wife and I never thought we'd end up getting the...
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Reply from Kelly Santos
December 3rd, 2025 05:58 PM
I'm so glad to hear that you felt supported throughout the process, Kyle. Making sure everything went smoothly and staying responsive was important to me, and I'm thrilled that it made a difference for you and your wife. Thank you for your...
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The quick communication from Kelly and her team made it the process easy, also the online portal was easy to use.
Reply from Kelly Santos
December 3rd, 2025 05:58 PM
I'm glad to hear that the communication and our online portal contributed to making your process easier, William. It's important to me that you felt supported throughout. Thank you for sharing your experience with us!
Kelly is always on top of the situation, answers all questions quickly and with a great , reassuring attitude!
Reply from Kelly Santos
December 3rd, 2025 05:58 PM
I appreciate your kind words, Robin. It's wonderful to know that you felt well-informed and reassured throughout the process!
Kelly is very knowledgeable and skillful in the mortgage loan business, she was able to answer my questions and help me through a 2 house sale and a one house purchase juggle!
Reply from Kelly Santos
December 3rd, 2025 05:58 PM
Thank you Joseph! I'm happy I could assist you through the complex process of handling two house sales and a home purchase. Thank you for sharing your positive experience!
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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)