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 helpful throughout the process of buying our home, and beyond. She was very prompt in answering our questions and making sure that we were comfortable throughout the process. Thanks!
Reply from Kelly Whitwood
June 4th, 2025 02:44 PM
Thank you Joel. I wish you both all the best creating special memories in your new home.
I love having repeat customers and you were awesome to work with.
Kelly guided me through the process and brought her considered experience in when our tough decisions required. For all of that, I am grateful.
Reply from Kelly Whitwood
June 3rd, 2025 03:54 PM
Thank you so much for the kind words, Mary. It was a pleasure to work with you and wish you all the best in your new home!
The expedited service provided to close on my house in such a short time is very appreciated and the overall experience is great
Reply from Kelly Whitwood
May 13th, 2025 04:36 PM
Thank you very much Justin! It was my pleasure to help you with your new home, and which you both all the best in Kansas City as you make new memories. Your service to our country is much appreciated!
This is our third experience working with Kelly. As before she worked hard to help us secure a good rate and was super responsive to all our request.
Reply from Kelly Whitwood
April 26th, 2025 08:23 PM
Thank you, Tim! I have enjoyed working with you both, and wish you all the best in your beautiful new home and new city! Enjoy the sunshine!
I was unclear about what would be involved at various stages of the home buying process. I was also unclear about what attribof my financial profile werr factored in at various stages of evaluation. I had a quick closing and it ent through...
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Reply from Kelly Whitwood
April 26th, 2025 08:29 PM
Angela, thank you for your feedback on the process. I enjoyed working with you again on your new home! Every borrower has different circumstances, and our goal is to make the process as smooth as possible. Since we work with other entities...
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a wonderful experience with Kelly and her team. Would highly recommend using her for any future transactions
Reply from Kelly Whitwood
March 21st, 2025 05:56 PM
Thank you so much James. Wishing you all the best in your new home!
Kelly and her team had amazing expertis, stayed in constant contact and went way beyond my expectation.
Reply from Kelly Whitwood
March 19th, 2025 04:46 PM
Thank you so much James. I really enjoyed working with you and Michele.
Hope you create many special memories at your new home!
worked with us to find exactly the right product that would meet our needs. She really bent over backwards everybody that we worked with was so accommodating to our short timeframe. I would absolutely recommend Kelly and First state Bank.
Reply from Kelly Whitwood
March 18th, 2025 08:43 PM
Thank you Michele! I hope you both enjoy your new home at the Lake!
Happy Spring!
Kelly just does a terrific job of being responsive & professional and getting the job done. We've enjoyed working with her on 2 separate occasions now.
Reply from Kelly Whitwood
March 11th, 2025 05:41 PM
Thank you, Andrew. I appreciate the opportunity to have worked with you and Jennifer on your new home, and for previous transactions as well. Hope you enjoy making special memories with your family! Happy Spring!
Everybody was so nice and made the whole transaction perfect!
Reply from Kelly Whitwood
March 9th, 2025 11:24 PM
Thank you so much, Dane. I enjoyed working 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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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