Holden Kellerhals.
Mortgage Broker.
Problem Solver.

I was born in Iowa, came to Tampa Bay by way of New York City and have called the area home for more than a decade. It is a varied path, but that is part of what shaped the way I work.

Before becoming a mortgage broker, I worked in nonprofit organizations and the service industry. Both taught me how to listen, communicate clearly and help people navigate situations that do not always come with a simple answer.

Mortgage brokering brought together the things I enjoy most: educating people, solving problems and helping someone get on better footing. Sometimes that means helping a first-time buyer understand the process. Sometimes it means helping a longtime homeowner consider what comes next. Sometimes it means working through a complicated scenario until we find an approach that makes sense.

I take a personal, hands-on approach. I remain your point of contact and stay involved throughout the process, so you know who to call when a question comes up.

I will explain the options, talk through the tradeoffs and help you understand the next step. You are not just another file moving through a system. Your goals, questions and circumstances are the reason we are having the conversation.

Creative strategies for real life. Let’s Make It Work!

I work with homebuyers, homeowners, investors and real estate professionals at many different stages.

That includes first-time homebuyers who want the process explained clearly, homeowners age 62 and older exploring reverse-mortgage options, self-employed borrowers, real estate investors and people whose circumstances do not fit neatly into a standard box.

I also enjoy helping Realtors think through financing scenarios, educate their clients and grow their businesses. If we can make the process more useful, more polished and perhaps even a little fancier, I am interested.

Depending on eligibility, location and current program availability, the financing options I help clients explore may include:

• Conventional financing
• FHA loans
• VA loans
• USDA loans
• Reverse mortgages and HECM for Purchase →
• Non-warrantable condo financing
• Non-QM financing
• Bank-statement loans
• Asset-depletion programs
• DSCR investor loans
• Home-equity and HELOC options
• Renovation and construction financing

This list is an overview, not a promise that every program is available or appropriate for every borrower. For details, see Mortgage Solutions or start a conversation with me.

Outside of mortgages, I am drawn to arts and culture, particularly dance and music. I studied French horn in college, and once band becomes part of your life, it never entirely leaves.

I also have a well-established appreciation for plaid—especially when it is bold, colorful and used with conviction. That mix of creativity, curiosity, practicality and the occasional bit of Gen X wit tends to find its way into my work too.