Kelly Whitwood

  • Senior Loan Officer

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Meet Kelly

I have been a Southern California girl since birth, but I have made Kansas City my home since 1983 and love every minute of it. Helping homeowners for over 30 years has been my life’s calling and a true blessing. I have been involved in the lives of thousands of families from generation to generation, being their advocate and trusted mortgage provider for homeownership.

Offering an honest, compassionate, and cutting-edge streamlined process is important in the forever-changing mortgage industry. I share my knowledge and expertise to find the best mortgage solutions to meet the client’s individual goals.

Passionate Lender, Five Star Mortgage Professional

My customers love our competitive rates, transparent and fair fees, and unmatched customer service. 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.

I am very thankful to the real estate community, financial advisors, and my wonderful clients, who trust me with their referrals. I have been honored to be a Five Star Mortgage Professional for Client Satisfaction for many years. My goal is to exceed customer expectations while offering sound guidance during the purchasing or refinancing of a home. I offer all types of loans, including Conventional, Jumbo, FHA, VA, MHDC, USDA, KSHAP, HELOC, Renovation, and First-Time Homebuyer programs. Working with a professional group of seasoned colleagues at First State Bank Mortgage offers our customers in-house processing, underwriting, and closing. My hope is to earn your mortgage business for life.

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.

Kelly Whitwood

Disclosures

First State Mortgage is a division of First State Bank of St. Charles, MO. NMLS ID: 416668. Authorized to lend in all 50 states. This is not a loan commitment or guarantee. All loans are subject to approval, creditworthiness, and income verification. Applicants must be at least 18 years old. Programs, rates, terms, and conditions are subject to change without notice. Certain restrictions may apply.