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
Entire process went very smoothly from staring to closing , very prompt response helped to understand the process and made to the end without delays
Reply from Kelly Santos
December 3rd, 2025 05:58 PM
Thank you so much for your kind words, Srija. I'm glad to hear that you found the process smooth and efficient. Your positive feedback is the driving force that helps us strive to do even better. It was wonderful working with you. Thank you...
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Awesome customer service, made everything so easy!
Reply from Kelly Santos
September 19th, 2024 02:29 PM
I'm thrilled to hear that you had such a positive experience, Christina! Making things easy for our customers is one of our top priorities at Tidewater Mortgage Services. Your feedback means a lot to me. Thank you for the 5-star rating and...
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Everyone was friendly, accommodating, and answered all of my questions! They seem to really care and enjoy their job!
Reply from Kelly Santos
December 3rd, 2025 05:58 PM
. Thank you for taking the time to leave such a fantastic rating and review. We genuinely appreciate it. We're here if you ever have more questions down the line.
Great communication, very on top of things, very helpful and pleasant to work with.
Reply from Kelly Santos
December 3rd, 2025 05:58 PM
Hi Jessica, thank you so much for your kind words and the 5-star rating! I'm delighted to hear that you found my communication and assistance helpful during our time working together at Tidewater Mortgage Services. Your feedback means a lot...
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Kelly really went out of her way when our title company kept repeatedly dropping the ball. She only got 5 stars because I couldn't go higher.
Reply from Kelly Santos
September 7th, 2024 12:53 PM
I'm sincerely grateful for your high rating and your kind words, Albert. I'm here to help make the process as smooth as possible, and I'm glad I was able to assist when issues arose with the title company. Your satisfaction is my highest priority,...
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Kelly worked really hard to keep us informed of everything we needed to know, and to handle everything we didn't need to know, even when the title company kept trying to drop the ball. Wouldn't be a homeowner without her help.
Reply from Kelly Santos
December 3rd, 2025 05:58 PM
Hi Richard, thank you so much for your thoughtful review and the full five stars! I'm thrilled to hear that my efforts to keep you informed throughout the process were appreciated. It's true, the home buying process can sometimes bring unexpected...
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Kelly always looks out for me and my family and friends which is why I am happy continuing to refer her.
Reply from Kelly Santos
December 3rd, 2025 05:58 PM
Thank you David! T am glad you feel that way! I always try to treat my clients like family!
Kelly and her team made the whole buying process very stress free for me. They are great communicators and are quick to answer a question or help when needed. They made a scary and stressful buying process easy.
Reply from Kelly Santos
August 31st, 2024 03:19 PM
I'm thrilled to hear that you found the buying process stress-free and easy, Michael. Continuous communication and prompt responses are something we pride ourselves on at Tidewater Mortgage Services. Thank you for your kind words and the 5-star...
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Kelly and her team made the whole buying process stress free for me. They were all very good communicators and were quick to answer a question or help me when needed. They made what I thought would be a stressful and scary process much easier...
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Reply from Kelly Santos
December 3rd, 2025 05:58 PM
Thank you so much for your 5-star review, Michael! It's heartening to hear that our team was able to provide you with a stress-free buying process. We always strive to communicate effectively and provide timely assistance. Your feedback shows...
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Appreciate the knowledgeable personnel handing our loan.
Reply from Kelly Santos
December 3rd, 2025 05:58 PM
It was a pleasure assisting you and your family Zachary! Thank you for the 5 star review!
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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)