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
Timely communication
Reply from Kelly Santos
December 3rd, 2025 05:58 PM
Thank you Barbara!!
Kelly and her team were incredibly helpful and pleasant. They explained every step thoroughly, and answered any questions. I would definitely recommend working with them.
Reply from Kelly Santos
December 17th, 2024 07:52 PM
I'm absolutely thrilled to hear your kind words, Milo! I'm glad that my team and I could be of help throughout the process. We always strive to provide thorough explanations and keep open channels for any questions. Hearing that we succeeded...
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Kelly and her team were incredibly helpful, they really made this process much easier than I imagined it could be.
Reply from Kelly Santos
December 3rd, 2025 05:58 PM
Hi Milo, I'm thrilled to hear that you found our process to be easier than expected. It was a pleasure to work with you and my team and I always aim to provide a seamless experience. Your positive feedback means a lot to us. Thank you for taking...
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Timely responses.
Reply from Kelly Santos
December 3rd, 2025 05:58 PM
Thank you Michael! It was our pleasure to assist you with your home financing!
TSAF YREVEV VVVVery
Reply from Kelly Santos
December 3rd, 2025 05:58 PM
Thank you for the positive review Stefanie!
Their attention to detail and professionalism are second to none. They went above and beyond. All their hard work is very much appreciated. I highly recommend Tidewater Mortgage and Kelly Santos.
Reply from Kelly Santos
November 18th, 2024 02:51 PM
Thank you so much for your positive feedback, Michael! It's wonderful to know that you appreciated the attention to detail and professionalism that I, and the rest of the Tidewater Mortgage Services team, strive to provide. Your recognition...
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Your attention to detail and professionalism are second to none. You went above and beyond. All your hard work is very much appreciated.
Reply from Kelly Santos
December 3rd, 2025 05:58 PM
Hi Michael, thank you very much for your wonderful review. I'm glad that my attention to detail and professionalism met your expectations. It was my pleasure to go above and beyond for you, and I'm happy to hear that my hard work is appreciated....
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Kelly Santos has received a review with 5 star rating from Gena H
Reply from Kelly Santos
October 21st, 2024 11:39 AM
Thank you for the five star rating!
Kelly was on top of things from day one. She was helpful and professional. The process went very smooth!
Reply from Kelly Santos
December 3rd, 2025 05:58 PM
Hi Gena, thank you so much for your fantastic review and the full 5-star rating! I'm thrilled to hear that you found our process smooth and that you were happy with the service. Your feedback means a lot to me and the entire team here! If you...
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I took my first home mortgage loan with tide water , as a newbie for this process they helped me to understand the process and made it very smooth till end. Highly recommend for anyone looking for good mortgage
Reply from Kelly Santos
October 15th, 2024 04:37 PM
I'm so pleased to hear that you had a smooth experience with your first home mortgage loan, Srija. It was my pleasure to help you understand the process. Thank you for recommending Tidewater Mortgage Services and for your 5-star review. I'm...
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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)