

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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The Communication and information given was great.
Reply from Kelly Whitwood
April 10th, 2024 06:06 PM
Thank you Tyler! Hope you enjoy your new home and enjoy your new dog too!
Kelly & Jeannie were very good to expedite our loan approval process and kept us well informed with excellent communication.
Reply from Kelly Whitwood
April 9th, 2024 06:38 PM
Thank you Carol. We loved working with you and Bruce again!
Communication and support were amazing!! So helpful throughout my home buying process.
Reply from Kelly Whitwood
April 5th, 2024 10:41 PM
Thank you Nate! I wish you all the best in your wonderful new home. You were awesome to work with.
Kelly worked late into the evenings and on weekends to assist us. She and her staff were always responsive, courteous and efficient!
Reply from Kelly Whitwood
March 26th, 2024 05:44 PM
Thank you very much Jennifer. It was a pleasure working with you and Eric.
Enjoy your wonderful new home!
Kelly’s knowledge, responsiveness, and professionalism were all outstanding.
Further, the tools to interact, share files, sign etc were first rate.
I could not be happier with her service.
Reply from Kelly Whitwood
March 26th, 2024 05:45 PM
Ryan, thank you so much for your review! It was a great pleasure to work with you, and hope your new home brings you many special memories with your family. Happy Spring!
Kelly was supportive and communicative throughout the process.
Reply from Kelly Whitwood
January 16th, 2024 04:33 PM
Thank you, Lindsay. You were wonderful to work with and hope you enjoy your new home!
Your patience with the Seller really paid off! Happy New Year!
Kelly was attentive and always helpful!
Reply from Kelly Whitwood
October 9th, 2023 08:26 PM
Thank you so much Kaila, It was great to work with you and Pat! Hope you and kids enjoy your beautiful new home!
Stay well, Kelly
Trust! We are so glad to know Kelly.
Reply from Kelly Whitwood
September 11th, 2023 04:53 PM
Amir, you and Mickey are the ideal customers and I am so thankful to you and your family for allowing me to be your lender of choice!
Stay well and enjoy the Fall season coming up!
We have amazing experience working with Kelly, she has helped us all way through, thanks for being so patient with us, and communication is an ease.
Definitely recommend to friends and family who need the service in the future!
Appreciated.
Reply from Kelly Whitwood
September 11th, 2023 04:42 PM
Thank you so much for your kind words Mickey! I wish your parents all the best in their new home. I am so grateful for your repeat business.
I am always here to help your family and friends. Be well.
Prompt replies, talking us through everything we needed to do as first time buyers, going above and beyond!
Reply from Kelly Whitwood
July 24th, 2023 09:40 PM
Thank you so much Emily! It was a pleasure to work with you and Bryce on your new home, and I wish you all the best!
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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