

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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Great experience, would definitely like to work with Kelly again when we refinance!
Reply from Kelly Whitwood
September 28th, 2024 08:31 PM
Thank you Chris for allowing me to assist you and Katy with your new home. It was a pleasure to work with you both and your wonderful agent. Looking forward to working with you again and saving you some money when you refinance. Be well.
Kelly made buying my first home as easy as possible. She is knowledgeable, communicates in a speedy manner and made me feel like I was equipped with everything I needed to make the biggest financial decision of my life. Thank you Kelly!
Reply from Kelly Whitwood
September 11th, 2024 01:58 AM
Thank you, Anna, for such a wonderful review. It was a pleasure to work with you and wish you all the best in your new home!
Kelly was responsive and very knowledgeable.
Reply from Kelly Whitwood
August 5th, 2024 07:20 PM
Thank you very much Stephen. You guys were so wonderful to work with. Enjoy your new home!
Everything about the experience was GREAT. Kelly was there holding our hands every step of the way and made sure everything went as smoothly as possible. I'm fortunate to have been able to work with her.
Reply from Kelly Whitwood
August 2nd, 2024 04:41 PM
Thank you Lanae,
I am so excited for you and your family on your new home. You were a joy to work with and I hope you recreate many special memories. Hope we can keep in touch.
Kelly answered all of our question and was an excellent communicator! She responds quickly! Would recommend her to anyone looking to buy a home!
Reply from Kelly Whitwood
July 16th, 2024 06:39 PM
Thank you very much Marty. I appreciate you being repeat customers. It was a pleasure to work with you both again. May you create many wonderful memories in your home!
We appreciate the consistent communication throughout the process. We knew that when we messaged Kelly, we would get a response in a timely manner.
Reply from Kelly Whitwood
June 17th, 2024 05:55 PM
Thank you, Rob! I hope you both enjoy your new home and welcome back to KC!
Kelly was very thorough in explaining everything, prompt in responding and overall very courteous.
Reply from Kelly Whitwood
June 7th, 2024 06:43 PM
Thank you so much Lisa. I am so glad to have the opportunity to help with your financial planning.
It was great to work with you!
Smooth process, user-friendly website
Reply from Kelly Whitwood
May 28th, 2024 03:09 AM
Thank you for the opportunity to help with your loan. I wish you many years of happiness in your new home.
It was a great experience.
Reply from Kelly Whitwood
May 17th, 2024 04:13 PM
Thank you Scott! I loved working with you and Laura. Enjoy your new home!
Process went quickly. Follow-up on Inquiries were handled in a timely manner. Everything was done accurately. Overall process took less than 30 days. It's nice to work with someone who makes things easier during a very paper intensive process...
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Reply from Kelly Whitwood
April 17th, 2024 09:49 PM
I'm truly delighted to hear about your positive experience, Penny! It's very rewarding to know that my efforts to make the process as efficient and stress-free as possible were successful. Your kind words and high rating mean a lot to me. It's...
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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