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Holden Kellerhals

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The Client Experience

At the heart of every mortgage is a story...and I’m here to help you write yours.

As a mortgage strategist, I’ve had the privilege of helping hundreds of families purchase, refinance, and move forward with confidence. I know a home is more than an investment...it’s a major milestone...and my mission is to make the process feel as smooth, clear, and stress-free as possible.

From our first conversation to the final signature, I take the time to understand your unique goals and financial vision. No one-size-fits-all solutions here...just personalized strategies, thoughtful guidance, and a mortgage experience designed around you.

Because getting you home isn’t just about closing a loan...it’s about opening a new chapter.

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Blog

Down Payments are Climbing

Down Payments are Climbing

With average down payments topping $30K, local assistance programs are now make-or-break for buyers. Learn how to leverage these limited-time resources before they’re gone. ...more

First Time Homebuyer ,Homebuyer Tips &Hot Topics

June 26, 20253 min read

Trigger Lead Legislation

Trigger Lead Legislation

Trigger leads may finally be banned! The House just passed a bill to protect your privacy when applying for a mortgage. Here’s what it means — and why it’s a game changer for homebuyers. ...more

First Time Homebuyer ,Homebuyer Tips &Trigger Leads

June 24, 20252 min read

Homeownership Literacy Is Falling Short - Here’s How We Can Fix It

Homeownership Literacy Is Falling Short - Here’s How We Can Fix It

A recent survey reveals major gaps in homeownership literacy—from renters to current homeowners. This post explores what buyers don’t know and how mortgage education can empower smarter decisions. ...more

First Time Homebuyer ,Homebuyer Tips

June 23, 20252 min read

Top 5 Mistakes First-Time Homebuyers Make in St. Pete (And How to Avoid Them)

Top 5 Mistakes First-Time Homebuyers Make in St. Pete (And How to Avoid Them)

Discover the top 5 mistakes first-time homebuyers make in St. Pete and learn how to avoid them. Get local tips, mortgage advice, and strategies for a successful home purchase in St. Petersburg, FL. ...more

First Time Homebuyer ,Homebuyer Tips

June 05, 20253 min read

First-Time Homebuyer Programs in St. Petersburg, FL (2025 Guide)

First-Time Homebuyer Programs in St. Petersburg, FL (2025 Guide)

Explore top first-time homebuyer programs in St. Petersburg, FL for 2025. Learn how to qualify for up to $75,000 in down payment assistance and make your dream home a reality with expert guidance from... ...more

First Time Homebuyer

June 05, 20253 min read

10 Tips for First-Time Homebuyers

Buying your first home can be both exciting and nerve-wracking at the same time. With so many things to consider and....

How To Choose the Right Lender for You

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Refinancing youe loan and when to do it

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.NEXA Mortgage

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NMLS Consumer Access Link

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Notice To Texas Loan Applicants: Consumers wishing to file a complaint against a mortgage banker, or a licensed mortgage banker residential mortgage loan originator, should complete and send a complaint form to the Texas Department of Savings and Mortgage Lending, 2601 North Lamar, Suite 201, Austin, TX 78705. Complaint forms and instructions may be obtained from the department’s website at www.sml.texas.gov

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A toll-free consumer hotline is available at 1-877-276-5550. The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed mortgage banker residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of a claim. For more information about the recovery fund, please consult the department’s website at www.sml.texas.gov