

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 helped guide me through my first purchase of a house, and promptly answered any questions that I had.
Most of the process was quite smooth, but some miscommunication happened when other team members were brought in between two loan applications and down payment gift options. It all worked out though.
Kelly was so helpful and responsive. She answered all of our questions, and there were a lot, and she guided us through every step of our refinance.
Kelly was great to work with. Very knowledgeable and was able to keep things moving even when my realtor dropped the ball. Very much appreciated all her work!
Kelly was wonderful to work with. Will definitely use her for future mortgage or refinance decisions.
We received reminders via emails and calls to keep us on track and make sure all of our forms were completed. When we came into the office, the staff was very friendly and helpful. The process was quick and easy.
Kelly was very helpful and prompt in answering our questions during this process. She did a phenomenal job and would recommend to anyone of our friends and family.
Great communication and worked with me on everything. Even came to my work on Closing day so we could get the papers signed.
Great response time on correspondence. Easy to work with. Highly recommend.
Very informative and quick on response.
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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