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Holden Helps

Holden Helps · St. Petersburg, Florida

Holden Kellerhals.
Mortgage Loan Originator.
Let’s Make It Work!

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.

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NEXA Lending · NMLS #2646551

Portrait of Holden Kellerhals, Mortgage Loan Originator

Who I help

Real people, real situations.

Realtors A lending partner for your clients' toughest files.For Realtors →

FREE HOMEOWNER TOOL

See Your Home Equity; and What You Could Do With It

Get a personalized Home AI report with an automated home-value estimate, estimated equity, mortgage progress, potential refinance and sale scenarios, local rent estimates and ideas for your next move.

  • Home Value & Equity
  • Mortgage Progress
  • Refinance & Sale Scenarios
  • Market Rents & Next Steps
Get My Free Home Equity Report (opens in a new tab)

Automated estimates and scenarios are illustrative only—not an appraisal, rate quote, loan approval or commitment to lend.

Mortgage solutions

Traditional loans. Creative financing.

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Portrait of Holden Kellerhals, Mortgage Loan Originator

About Holden

Based in St. Petersburg.

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 Holden

For Realtors

Your clients. Covered.

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 Holden
  • Clear, prompt communication
  • Help with complex borrower situations
  • Creative financing when deals need it

The publication for Realtors

Agent Matters

Mortgage strategy and market insight for Realtors, published by Holden Kellerhals.

Agent Matters November 11, 2026 newsletter cover about mortgage rate buydowns, neighborhood email prospecting, 2027 business planning, AI platforms acting as brokerages and mortgage rates.

Rate Buydowns Return, Neighborhood Email Prospecting and Inflation-Week Rates

This week’s Agent Matters looks at why mortgage rate buydowns are making a comeback and how understanding temporary and permanent options can help agents keep deals together when affordability gets tight. We break down how a simple neighborhood email strategy can turn recent sales into new listing conversations, why your 2027 business plan should start with the life you want to build, and how turning knowledge into action creates better results. You’ll also see why AI platforms are raising serious questions about agency relationships and consumer protection, how agents can protect their role in the transaction, and why cooling inflation and falling oil prices could help mortgage rates continue their gradual improvement.

Mortgage Financing Strategies · Buyer Affordability · Real Estate Industry News · Market Trends

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Let’s Make It Work!

Every mortgage situation is different. Let's explore the options that work for you.

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