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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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.
Extremely helpful and enjoyable to work with, Kelly went above and beyond to provide guidance and advice related to our mortgage and played a big part in helping us find the perfect home
Reply from Kelly Whitwood
December 15th, 2025 08:47 PM
Thank you, Miranda! It was a pleasure to work with you both again and wish you all the best in Florida! We will miss you here in KC!
Happy Holidays to you and your family.
Communication was great. Care about everything was great. Just easy peasy
Reply from Kelly Whitwood
December 5th, 2025 09:22 PM
Thank you Joan! It was a great pleasure to work with you again. Enjoy your new neighborhood and I will see you out and about!
Have a very Happy Holiday!
Kelly brought a personal touch to this complex and overwhelming process in buying a home! She explained everything to my wife and I in a way we easily understood and appreciated. Her reminders and the website made it easy to follow along in...
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Reply from Kelly Whitwood
October 22nd, 2025 06:41 PM
Thank you very much Ryan for your kind words. It was a pleasure to work with you and Masha on your new home! And what a beautiful home it is!
Hope you are blessed with many wonderful gatherings.
A knowledgable, professional, caring team of people. Communication was excellent from start to finish. We were kept informed about everything. Closing was a breeze. We are very grateful for the services provided.
Reply from Kelly Whitwood
October 1st, 2025 03:55 PM
Thank you, Laurie. It was a joy to work with you and Mark. Wishing you all the best in your new home as you create many beautiful memories.
Superb communication, friendly, answered all questions thoroughly.
Reply from Kelly Whitwood
August 8th, 2025 07:43 PM
Thank you Lisa! I enjoyed working with you and your agent on this transaction. Enjoy your wonderful new home, and I hope the furry friends love it too!
Kind, respectful, and caring staff who were easily available, communicated well, and cheerfully answered all questions.
Reply from Kelly Whitwood
August 4th, 2025 02:54 PM
Thank you, Deb! Hope you guys enjoy your new home in Colorado. It was a pleasure to work with you and Ron again!
It is great to have Kelly and the folks at FSB in my corner. Great service and expertise.
Reply from Kelly Whitwood
July 16th, 2025 06:31 PM
Thank you, Joe. It was great to work with you again. We are always here to provide the great service you deserve! Have a great summer!
Amazing communication!!
Reply from Kelly Whitwood
July 10th, 2025 03:48 PM
Thank you Daniel! I enjoyed working with you both again. Enjoy your new home!
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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