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Holden Helps · St. Petersburg, Florida

Holden Kellerhals.
Mortgage Broker.
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.

NEXA Lending · NMLS #2646551

Portrait of Holden Kellerhals, Mortgage Broker

Who I help

Real people, real situations.

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

Mortgage solutions

Traditional loans. Creative financing.

View all mortgage solutions
Portrait of Holden Kellerhals, Mortgage Broker

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.

cover image

AGNT Leadership, Stalled Concessions and Mortgage Rate Volatility

This week’s Agent Matters looks at Glenn Sanford stepping down as CEO of AGNT and why Leo Pareja’s expanded leadership role could intensify the battle over private listings and MLS transparency. We break down how understanding the financial and emotional perspectives of buyers and sellers can help rescue stalled negotiations, why building repeatable systems is essential for long-term growth, and how adaptability separates agents who thrive through industry changes. You’ll also see why cheaper AI doesn't necessarily mean lower costs, how to measure whether your AI tools are actually producing results, and why this week’s inflation reports and shifting Fed expectations could bring more volatility to mortgage rates.

Real Estate Industry News · Transaction Challenges · Market Trends · Buyer Affordability

Let’s Make It Work!

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

Let’s Talk Mortgages