Your Trusted Mortgage Advisor—Here to Guide You Home.

Let’s Make Your Next Move, Your Best Move!

Reliable Mortgage Support from Application to Closing and Beyond

Whether you’re buying your first home, upgrading to your next, securing a vacation home, or financing your forever home, having the right mortgage loan officer makes all the difference. With over 22.9K 5-star client reviews, ACM is proud to be recognized as a trusted and reliable home loan partner — delivering peace of mind at every step of the homeownership journey.

We understand that buying a new home or refinancing the home you love is always a big life event, which is why we focus on delivering tailored lending solutions and mortgage strategies to help you accomplish your homeownership goals.

Experienced Mortgage Professionals & Tailored Lending Solutions

Navigating today’s housing market requires a skilled mortgage professional who understands local markets and evolving lending guidelines. We specialize in a wide variety of home financing options, including Conventional, FHA loans, VA loans, USDA loans, Jumbo loans, and mortgage refinancing. Each solution is personalized to help meet your unique financial needs and long-term goals.

Our Lender for Life Commitment to Your Long-Term Success

We believe that a closed loan is just the beginning of our journey together. Throughout the life of your loan, we’ll help you monitor your home investment to discover new cost-saving opportunities and help you plan and achieve your future home purchase and refinance goals. Most importantly we’ll provide you with the tools and knowledge you need to leverage and take full advantage of your home investment making it work to your benefit.

Why Clients Choose ACM:

  • Simple, easy, streamlined loan process
  • Experienced knowledge, guidance, and reliable support
  • Transparent and easy-to-understand information
  • Clear and fast communication
  • Exceptional 5-star client experience
Licensed in:
Florida

Kelly Santos Team at Atlantic Coast Mortgage

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Kelly Santos

Branch Manager & Loan Officer
NMLS ID 994273

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Mary Whitehead

Loan Officer Assistant
NMLS ID 1718870

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Kerry Justesen

Processor

What Others Are Saying About Kelly

5.0
Kelly and her team is what made the experience great. There was a change in companies and I had to resubmit everything I had already provided. It was very frustrating for me and Kelly provided me support through that process. She pretty much talked me off a ledge! I appreciate her working with... Read More
5.0
team and Kelly were absolutely wonderful very informative and pleasant to deal with. I would highly recommend them to anybody.
5.0
Ease and communication was excellent
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Kelly Santos

Branch Manager & Loan Officer NMLS ID 994273

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