Holden Helps · St. Petersburg, Florida
Mortgage decisions are rarely one-size-fits-all. I help homebuyers, homeowners, investors and Realtors understand their options, work through complicated scenarios and move forward with a clear plan.
NEXA Lending · NMLS #2646551
Who I help
First home or next home, let's find a loan that fits your plans.
Learn more →Home equity, refinancing and reverse mortgages, explained clearly.
Learn more →Financing options for rental and investment properties.
Learn more →Mortgage solutions
Options for homeowners 62 and older, including using a reverse mortgage to buy a home.
Conventional, FHA, VA and USDA financing for buying a home.
Help with condos, including buildings that don't meet standard lending guidelines.
Alternative ways to document income, such as bank statements or assets.
Ways to access the equity you've built in your home.
Loans for rental properties, including DSCR financing.
Financing to improve, renovate or build a home.
Not sure where you fit? Let's talk through your situation.
About Holden
Born in Iowa, shaped by New York City and at home in Tampa Bay for more than a decade, Holden brings a service-minded, creative approach to mortgage lending. With a background in nonprofit work and the service industry, he knows how to listen, explain the details and stay hands-on from the first question through the next step.
Thinking about living in the area? My separate site, Life in Tampa Bay, explores neighborhoods and life around the bay.
Meet HoldenFor Realtors
When financing gets complicated, you need a broker who answers the phone and looks for a path forward. I work alongside agents on complex borrower situations and transactions that call for creative solutions.
Partner with HoldenThe publication for Realtors
Mortgage strategy and market insight for Realtors, published by Holden Kellerhals.
This issue covers Glenn Sanford’s departure as AGNT CEO, Leo Pareja’s expanded role and the debate over private listings. It also explores stalled concession negotiations, repeatable business systems, adaptability, AI spending and listing videos, alongside an outlook for mortgage rate volatility.
Real Estate Industry News · Transaction Challenges · Market Trends · Buyer Affordability
Every mortgage situation is different. Let's explore the options that work for you.
Let’s Talk Mortgages