

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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Kelly was so informative and very easy to get into contact with. I had an overall great experience as a first time home buyer.
Great. Thank you, Kelly. All the best to you.
Kelly is sooo patient with me trying to get through this process while juggling my work and home life. Two thumbs up, 10STARS etc etc
This is our second go around with Kelly at First State Bank. The customer service we receive is unmatched! When we were in negotiations with sellers at 830 on a Saturday night, Kelly was available to answer any and all questions we had. You...
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communication
The communication was great, kept us updated. Thank you Kelly
Everything was clear, easy to understand, and ready to go when we closed!
Working with Kelly and her team was an amazing experience.
This is the second time we've worked with Kelly to secure a mortgage loan. Both experiences were wonderful - she was personal and thorough, quick to respond to us at all times, and has great experience/knowledge in her field. Most importantly,...
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Kelly was on top of things - communicated so very well. She not only got it completed but was so friendly and kind to me. I would recommend her to anyone.
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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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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