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Holden Kellerhals, Lending Strategist at NEXA Lending

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Strategic lending expertise for discerning clients. I design mortgage solutions that align with your financial objectives, not just your loan amount.

Lenders & Investors

Personalized Service

Strategic Guidance

Average pre-approval turnaround

Most loan officers simply process applications. I take a fundamentally different approach analyzing your complete financial picture to structure loans that serve your long-term wealth strategy.

Whether you're a self-employed entrepreneur needing bank statement qualification, a veteran maximizing your VA benefits, or an investor building a portfolio, I engineer solutions that conventional lenders overlook.

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Every financial situation is unique. Let's discuss your goals and find the lending strategy that works for you.

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NMLS | Company NMLS

Florida: 727-591-5591

Iowa: 319-319-3771

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About

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Hi, I'm Holden Kellerhals, your Lending Strategist at NEXA Lending and a Certified Reverse Mortgage Specialist. I specialize in reverse mortgages and HECM for Purchase, helping retirees tap into the equity they've spent a lifetime building so they can live, move, downsize, or invest on their own terms. It's some of the most meaningful work I do; giving people clarity around their next chapter without pressure or jargon.

But reverse mortgages are just one piece of what I do. As a broker with access to over 280 lenders and investors, I help borrowers who don't fit the old-school mortgage box: self-employed buyers using Non-QM options like bank statement, P&L, and asset-depletion loans; real estate investors structuring DSCR financing for rentals and short-term plays; first-time and move-up buyers using FHA, VA, USDA, and Conventional programs; and folks needing Jumbo or alternative jumbo solutions. Whatever your situation, I shop the market, run the numbers, and build a strategy around your real life, not just the paperwork.

A bit about me: I grew up in Marion, Iowa, earned a full-ride scholarship for French horn at the University of Iowa, and spent 14 years in arts administration at the Paul Taylor Dance Company in New York before settling in St. Petersburg, Florida. That mix of Midwest work ethic, performing arts discipline, and hospitality is how I show up for every client; warm, candid, patient, and genuinely in your corner. Every client has a story. Every story has a solution. Let's solve yours together.

From conventional loans to specialized non-QM products, I bring deep knowledge across the entire mortgage landscape. My focus is on finding the right structure for your specific situation.

Whether you're ready to apply or just exploring options, I'm here to provide guidance without pressure.

NMLS | Company NMLS

Florida: 727-591-5591

Iowa: 319-319-3771

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From conventional mortgages to specialized programs for self-employed borrowers and investors, I provide comprehensive financing strategies tailored to your unique situation.

My process is designed to be transparent, efficient, and focused on your goals. From our first conversation to closing day, you'll know exactly where you stand.

Every situation is unique. Let's discuss your specific circumstances and find the right solution for you.

NMLS | Company NMLS

Florida: 727-591-5591

Iowa: 319-319-3771

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Whether you're ready to apply or just exploring your options, I'm here to provide guidance. Reach out and I'll respond within 24 hours.

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NMLS | Company NMLS

Florida: 727-591-5591

Iowa: 319-319-3771

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Reverse Mortgages & HECM for Purchase | Holden Kellerhals

Learn how reverse mortgages and HECM for Purchase can help you tap into home equity with no monthly payments. Schedule a free consultation with Holden Kellerhals.

Your Equity Built This. Now Let It Pay You Back.

Your Home Equity Has More Options Than You Think

Reverse Mortgage

HECM for Purchase

Reverse Mortgage Second (HECM Second)

Senior HELOC (Home Equity Line of Credit)

Simple. Transparent. Human.

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Turn the value in your home into cash flow or a new home, without required monthly payments or financial headaches.

Age to Qualify

Monthly Payments

Insured & Regulated

Not just one or two paths, but a range of strategies depending on how you want to live, move, and use your money.

Stay in your current home and access its equity as a line of credit, monthly payments, or a lump sum. No monthly mortgage payments required. You keep the title, and the loan is repaid only when you sell, move out, or pass away.

Buy a new home that's better suited to your retirement lifestyle; downsized, closer to family, or in a warmer climate; using a reverse mortgage as your financing tool. Make a down payment and never make a monthly mortgage payment again.

Already have a low-rate mortgage you don't want to touch? A reverse second lets you keep your existing loan and layer a reverse mortgage behind it to access additional equity, without adding a required monthly payment on that portion.

A more traditional approach to equity, built specifically for older homeowners. A Senior HELOC gives you a flexible line of credit you can draw from as needed, while maintaining a structure that feels familiar.

No pressure, no jargon, just clear guidance through every step.

Every client has a story. Every story has a solution. Let's find yours — with clarity, patience, and no pressure.

NMLS | Company NMLS

Florida: 727-591-5591

Iowa: 319-319-3771

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NMLS | Company NMLS

Florida: 727-591-5591

Iowa: 319-319-3771

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