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
Tues
9 AM to 5 PM
Wed
9 AM to 5 PM
Thu
9 AM to 5 PM
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Reviews from Web
Kelly and her team were amazing. We were able to close on our house on our expected date. I would definitely recommend Kelly and the team to anyone who’s looking to buy a house!! The attention to detail is amazing.
Reply from Kelly Santos
June 24th, 2025 01:40 PM
I'm thrilled to hear that you had such a positive experience with our team at Tidewater Mortgage Services. It was a pleasure assisting you in closing on your house as expected. Thank you for your recommendation and kind words about our attention...
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Everyone was great. They answered all of our questions and was very patient with us.
Reply from Kelly Santos
December 3rd, 2025 05:58 PM
I'm thrilled to hear that you had a great experience with us, Aida. It was a pleasure assisting you, and I'm glad we could answer all your questions and meet your expectations. Thank you for your kind words!
Kelly and her team were super helpful and we ended up closing earlier than expected. Everyone was super nice and very informative! There wasn’t any point where I felt unsure or like I was in poor hands. Thank you so much everyone!
Reply from Kelly Santos
May 19th, 2025 01:57 PM
I'm thrilled to hear that you had such a positive experience with us, Ariel. It was a pleasure to assist you throughout the process, and I'm glad we could exceed your expectations by closing early. Thank you for your kind words and for choosing...
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Kelly and her team are amazing! Very quick, communicative and informativ. whole process was super easy
Reply from Kelly Santos
December 3rd, 2025 05:58 PM
I'm thrilled to hear that you found the process easy and appreciated the communication and information provided by my team and me. It was a pleasure working with you, and I truly value your positive feedback.
Kelly Santos has received a review with 5 star rating from Rachel J
Reply from Kelly Santos
July 1st, 2025 02:42 PM
I'm thrilled to hear that you had a great experience with Tidewater Mortgage Services. It was a pleasure assisting you, Rachel, and I'm grateful for your positive feedback. If you need any further assistance, please feel free to reach out.
I was previously with another lender that was making an already stressful situation worse. I switched to Tidewater and was able to close within the month!
Reply from Kelly Santos
December 3rd, 2025 05:58 PM
Rachel, I'm thrilled to hear that we could make a positive difference in your experience. :-) It was a pleasure assisting you with your mortgage process at Tidewater Mortgage Services. Thank you for your kind words and for choosing us!
Kelly kept us well informed and explained the process as it went.
Reply from Kelly Santos
December 3rd, 2025 05:58 PM
I'm glad to hear that you felt well-informed throughout the process. It was a pleasure assisting you, and I appreciate your feedback!
Amazing team, very pleasant to work with.
Reply from Kelly Santos
April 24th, 2025 02:30 PM
I'm thrilled to hear that you had a pleasant experience with our team. It was a pleasure working with you, and I appreciate your kind words.
The whole team was amazing, very quick to answer any questions any advice everyone was always available.
Reply from Kelly Santos
December 3rd, 2025 05:58 PM
I'm thrilled to hear that you found our team responsive and helpful throughout the process. It was a pleasure assisting you, and I appreciate your kind words. If you have any further questions or need additional assistance, please don't hesitate...
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Had an overall outstanding experience with Kelly
Reply from Kelly Santos
December 3rd, 2025 05:58 PM
I'm thrilled to hear that you had an outstanding experience, Eugene. It was a pleasure working with you, and I appreciate your feedback. If there's anything else I can assist you with, 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)