Kelly Whitwood
Senior Loan Officer | NMLS # 454677
California State University, Northridge
Helping homeowners for over 30 years has been my life’s calling and a true blessing. Offering a reliable, user friendly and cutting-edge streamline process is important with the forever changing mortgage industry. I share my knowledge and ...... Show More
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Overall Kelly's care and communication were so helpful during what is always inevitebly stressful in buying/selling a house. Thank you!
Reply from Kelly Whitwood
June 11th, 2026 06:50 PM
Thank you, Jessica! I really enjoy working with you and the entire family through the years. I hope you, Jason and the kids make many special memories together!
Have worked with Kelly in the past she's knowledgeable and super helpful!
Reply from Kelly Whitwood
June 4th, 2026 04:51 PM
Thank you, Jason. I really enjoyed working with you both again! May you and your family create many special memories in your new home!
You were extremely helpful in answering questions for myself and Jenna. This was especially helpful and made us feel more comfortable as first time buyers. Your teams' responsiveness and professionalism was greatly appreciated!
Reply from Kelly Whitwood
April 28th, 2026 02:29 PM
Thank you Cole. I am proud to work with an amazing team at First State Bank. You and Jenna were wonderful to work with! Hope you enjoy your great new home.
Kelly was prompt and clear with all communication, as well as friendly and helpful. I appreciated her!
Reply from Kelly Whitwood
April 20th, 2026 02:26 PM
Thank you Laura. I appreciate your kind words and wish you all the best in your beautiful new home! It was a pleasure to work with you and your great agent.
I love Kelly!!
Reply from Kelly Whitwood
April 19th, 2026 12:04 AM
Thank you so much Jennifer. I loved working with you! Take care my friend.
Kelly's longtime experience in the lending institution gave us the confidence needed to move forward with the best decision for our place in life.
Reply from Kelly Whitwood
April 14th, 2026 02:21 PM
Thank you so much for the kind words. Wishing you and Terry all the best in your new home, and welcome back to KC?
Great job!
Reply from Kelly Whitwood
March 5th, 2026 10:47 PM
Thank you very much Chris! Enjoy your new home. It was great to work with you!
Kelly was super helpful in answering all our questions
Reply from Kelly Whitwood
March 2nd, 2026 03:07 PM
Thank you, Kaleb. I am so glad I was able to help you both with your financing on your great new home! Hope you create many special memories there!
Thank you!
Reply from Kelly Whitwood
February 24th, 2026 10:10 PM
It was my pleasure to help! Thank you for thinking of me again for your mortgage needs.
Super friendly and helpful
Reply from Kelly Whitwood
January 19th, 2026 04:46 PM
Thank you, Nick! Hope you and Madi create some beautiful memories in your new home! It was a joy to work with you both.
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About
Helping homeowners for over 30 years has been my life’s calling and a true blessing. Offering a reliable, user friendly and cutting-edge streamline process is important with the forever changing mortgage industry. I share my knowledge and expertise to find the best mortgage solutions to meet the client’s individual goals. My customers love our competitive rates and unmatched customer service offering loans in all 50 states. Helping you is not just a 9 to 5 job; it is a “hands-on” commitment of my time and availability 7 days a week. My passion is to serve you and make the loan process as enjoyable and stress-free as possible. Communication and listening are the keys to a great customer experience.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Down Payment Assistance
Conventional Home Loan
Mortgage Refinance
USDA Loans
Qualified Mortgage Pre-Approvals
Specialities
Providing CONVENTIONAL, FHA, VA, USDA, JUMBO loans
Jumbo
USDA Rural Housing
Construction & Renovation Loans
Second Home & Investment Properties
Refinance Solutions
First-Time Homebuyer Grants
Down Payment Assistance Programs
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176
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Education
- California State University, NorthridgeLiberal Arts and Sciences/Liberal StudiesBachelor of Arts (BA)
Time Zone
Central Standard Time (CST)
Licenses
- NMLS # 454677
Disclaimer
First State Bank Mortgage, A Division of First State Bank of St. Charles, MO. NMLS #416668. Equal Housing Lender. Headquarters: 2850 West Clay Street, St. Charles, MO 63301 Not a commitment to lend. For licensing information, go to: www.nmlsconsumeraccess.org