Kelly Santos at Atlantic Coast Mortgage

09/11/2026

5.0 star review received on Experience.com for Kelly Santos by Matthew S - 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 ever made . thank you again !!!!

Click to see all 196 reviews of Kelly Santos, Branch Manager & Loan Officer | NMLS ID #994273

09/04/2026

5.0 star review received on Experience.com for Kelly Santos by Kira H - Kelly and her team made everything as easy as possible!

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09/03/2026

5.0 star review received on Experience.com for Kelly Santos by Kelli E - 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.

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07/22/2026

5.0 star review received on Experience.com for Kelly Santos by Lorena W - Kelly is amazing and did everything possible to make this process smooth and seamless. It was a great experience and I highly recommend her!

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07/16/2026

5.0 star review received on Experience.com for Kelly Santos by Lucille H - Kelly and her team were great to work with and the process went very smoothly. I will recommend them to all of my friends and family.

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07/15/2026

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07/09/2026

5.0 star review received on Experience.com for Kelly Santos by Maria M - Thank you, Kelly for helping us in getting he loan. You are exceptional!!!

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07/09/2026

5.0 star review received on Experience.com for Kelly Santos by Gerard M - Extremely knowledgeable, task and detailed focused. Anticipated potential changes affecting loan stacking resulting from HUD changes to Florida State and Pasco County PDA loans. She is simply the best would always recommend her.

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06/07/2026

5.0 star review received on Experience.com for Kelly Santos by Joseph L - Kelly was very knowedgable and lrofesional.and got me more than what I needed in my loan .
Would definitely recommend her ..

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05/23/2026

5.0 star review received on Experience.com for Kelly Santos by John D - Kelly is the best around ! She guided me through the whole process and made sure all my paperwork was submitted correctly. Not to mention, she was always willing to answer any and all questions I had . Kelly was a pleasure to work with , and I would highly recommend her and her team to anyone in search of a great Mortgage company .

Click to see all 187 reviews of Kelly Santos, Branch Manager & Loan Officer | NMLS ID #994273