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 Santos has received a review with 5 star rating from Gene M
Reply from Kelly Santos
March 20th, 2025 11:52 AM
Thank you Gene!
Kelly was very efficient and helpful! We got our first house and she made sure we were in the loop and understood what was going on the entire time.
Reply from Kelly Santos
December 3rd, 2025 05:58 PM
I'm thrilled to hear that you found the process efficient and helpful. It was a pleasure assisting you with your first home purchase, and I'm glad I could keep you informed throughout the journey. Congratulations on your new home!
Great people to work with! They get it done efficiently, quickly, and without any hidden surprises!
Reply from Kelly Santos
April 24th, 2025 02:31 PM
I'm thrilled to hear that you had such a positive experience, Jeff. Efficiency and transparency are top priorities for me, and I'm glad we could meet your expectations. Thank you for choosing Tidewater Mortgage Services.
Kelly Santos and Tidewater made it happen! No hidden details Effecient and getter done atmosphere
Reply from Kelly Santos
December 3rd, 2025 05:58 PM
Thank you Jeffrey! Very much appreciate your feedback and your business!
Kelly Santos is just about the greatest human you could ever do business with. Caring, considerate, and attention to details is her expertise. For Kelly, it's never about a transaction, but a lifelong relationship. Trust Kelly Santos ALWAYS...
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Reply from Kelly Santos
July 8th, 2025 03:18 PM
Thank you, Michael, for such a heartfelt review. I’m genuinely touched by your kind words!
and her teen very professional. Anytime I call the office. They never said no and they were always prepared to answer all my questions. Thank you to all of them. Wish you guys the best. I had a great time chatting with all team members.
Reply from Kelly Santos
December 3rd, 2025 05:58 PM
I'm delighted to know you had such a positive experience with me and the team, Robert. It’s nice to hear that our efforts to be available and responsive made an impact. Thank you for taking the time to share your thoughts!
Communication
Reply from Kelly Santos
December 3rd, 2025 05:58 PM
Thank you Chad!
Prompt responses to questions with no "condenscending" responses or treatment. Explaining and updating me through the process.
Reply from Kelly Santos
December 3rd, 2025 05:58 PM
I'm so pleased to hear that you had a positive experience, Tyler! Your feedback is very valuable to us at Tidewater Mortgage Services. It was my pleasure to guide you through the process and provide prompt responses to your questions. I strive...
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Very responsive to questions and stays in communication during the whole process
Reply from Kelly Santos
January 6th, 2025 12:52 PM
I'm really glad to hear about your positive experience, Tyler. Maintaining open communication throughout the process is something we always strive for. Thank you for your feedback and for the 5-star rating. It means a lot. If there's anything...
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The entire team was knowledgeable, helpful, and caring .
Reply from Kelly Santos
December 3rd, 2025 05:58 PM
Thank you so much for your kind words, Lisa! It was a pleasure to help you. I am thrilled to hear that you found our team at Tidewater Mortgage Services to be knowledgeable and caring. We strive to provide the best service for our customers,...
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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)