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
Nothing that I can hold Kelly accountable for. The overall process does not support clear communication, and the repetition of documentation is dizzying.
Kelly and her team are very helpful. They are on point and keep you up to date on everything. I was very impressed by them, I will definitely recommend anyone to them.
Reply from Kelly Santos
December 3rd, 2025 05:58 PM
I'm really glad to hear that you found my team and me helpful and that we kept you informed throughout the process, Santiago. Your recommendation means a lot to us, and I'm grateful for your positive feedback. Thank you for taking the time...
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Kelly is a thorough and competent representative. Very good to work with and always available.
Reply from Kelly Santos
July 29th, 2025 04:11 PM
Thank you, Mark, for your kind words! If there's ever anything else you need, feel free to reach out.
Kelly was fantastic. The rating of "OK" is because of the constant requests for multiple items multiple times from the underwriters. It is truly ridiculous how these people operate, You should consider getting different underwirters or re-name...
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Reply from Kelly Santos
December 3rd, 2025 05:58 PM
Thank you for taking the time to share your feedback Mark. We're thrilled to hear that I provided fantastic service — I truly care about my clients and work hard to make the process as smooth as possible.
I understand your frustration with...
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Just closed on my home and was so very impressed with Kelly and her team! They closed in under a month! This was a smooth transaction. I highly recommend Kelly Santos!
Reply from Kelly Santos
August 11th, 2025 01:46 PM
I'm grateful for your recommendation, Beth! It's wonderful to know that you were impressed with how smoothly everything went and that we were able to close in under a month. I truly enjoyed working with you and appreciate your kind words about...
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Kelly and her team were so patient with me. They held my hand and walked me through the buying process. They were super fast, and we closed in under a month! They knew what they were doing, and their experience and expertise were evident. This...
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Reply from Kelly Santos
December 3rd, 2025 05:58 PM
I'm really glad to hear that my team and I were able to make your home buying process smooth and reassuring, Deborah. It's wonderful to know our patience and expertise helped you feel supported every step of the way. Closing in under a month...
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Kelly Santos is one of the most effective communicators I’ve ever had the pleasure of working with. Extremely professional and knowledgeable.I would not own my house without Kelly. I’m a full time single father and small business owner.Buying...
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Reply from Kelly Santos
August 11th, 2025 01:46 PM
I'm truly grateful for your kind words, Robert. It's especially rewarding to have been able to support you through the unique challenges of buying a home as both a single father and a small business owner. Helping you and your son find a place...
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Thank you for closing in 29 days!
Reply from Kelly Santos
December 3rd, 2025 05:58 PM
It was our pleasure Elizabeth!! Thank you for trusting us!
The communication and professionalism we received from Kelly and her team was amazing. We could not have had a more pleasant and smooth mortgage experience. I wish I could rate her higher!
Reply from Kelly Santos
May 27th, 2025 11:41 AM
Thank you so much for the positive review and feedback Emily! That means the world to us! Let us know if there's any way we can be of assistance to you or someone you know in the future!
The communication and professionalism we received from Kelly and her team was amazing. We could not have had a more pleasant and smooth mortgage experience. I wish I could rate her higher!
Reply from Kelly Santos
December 3rd, 2025 05:58 PM
Thank you so much Emily for the positive review and feedback! That means the world to us!
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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)