Trinity, FL
Trinity, FL
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
Location & Business Hours
Business Hours
Sat
closed
Sun
closed
Mon
9 AM to 5 PM
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Reviews from Web
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We couldn't have made a better decision in choosing Ray to be our loan officer as we navigated our first time home buying process. Ray has 40 plus years experience and it absolutely shows. We were kept informed every step of the way, he walked...
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Kelly and her team were so detailed about everything. They knew exactly what to do. And they walked me through every step I am so grateful to have met this team . I would recommend them to anyone
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Timeliness, answering our questions, quality
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Atlantic Coast Mortgage was outstanding from start to finish. The entire process was smooth, efficient, and incredibly well organized, with excellent communication every step of the way. Their team was knowledgeable, responsive, and acted like...
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Reply from Kelly Santos
October 5th, 2026 12:55 PM
I'm very grateful for your generous review, Andrew. It's wonderful to know that you found the process with Atlantic Coast Mortgage smooth and well-organized. I'm pleased to have been part of a team that provided you with such a positive mortgage...
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Very kind, patient and helpful.
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The level of communication and being on top of the whole buying process and walking me through every detail was extraordinary. It was very overwhelming at times but the staff made it very easy.
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I'm a new home buyer, and Kelly and her team made this experience so easy. I was dreading anxiety that I've heard comes along with this whole process from friends and family, but this was one of the easiest major decisions / purchases I've...
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Reply from Kelly Santos
September 9th, 2026 07:33 PM
We're grateful to hear that Kelly and her team made your first home-buying experience smooth and stress-free, Matthew. It's wonderful to know that we could help ease the anxiety often associated with such a significant decision. Thank you for...
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Kelly and her team made everything as easy as possible!
Reply from Kelly Santos
September 2nd, 2026 06:15 PM
I'm pleased to hear that you found the process easy with my team, Kira. Thank you for the great rating and your kind words!
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Easy process to follow with continual updates and alerts when something was needed. Even with a change in the structure of the loan there was never any issues. Extremely nice and easy people to work with.
Reply from Kelly Santos
September 1st, 2026 03:51 PM
Thank you, Kelli, for sharing your experience and the great rating. I'm pleased to hear that the process was smooth and that you felt well-informed throughout. It's wonderful to know that working with us was easy and pleasant for you.
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Ray was thorough and friendly!
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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
Our Company
Time Zone
Eastern Standard Time (EST)
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)