Holden Kellerhals, Lending Strategist at NEXA Lending
Holden Kellerhals, Lending Strategist
NEXA Lending
Phone: (727) 591-5591
Email: [email protected]
NMLS# 2646551
Company NMLS# 1660690
Licensed in: FL, IA
Calculations based on 30-year fixed mortgage. PMI applies when down payment is less than 20%. Bank Statement loans are considered Non-Qualified Mortgage (Non-QM) products. Qualification is based on the review of personal or business bank statements rather than tax returns. Interest rates and down payment requirements for these products may be higher than those of conventional government-backed mortgages (such as FHA, VA, or Fannie Mae/Freddie Mac loans). Not all applicants will qualify. Annual Percentage Rate (APR) is subject to increase after consummation. Advertised terms are based on a loan amounts with a 760 FICO, Loan-to-Value, and 30-year fixed/ARM rate. Monthly payments includes principal and interest only; actual payment will be higher with taxes and insurance and HOA. This is not an offer to enter into an agreement. This is not a commitment to make a loan. Not all customers will qualify. Information, rates and programs are subject to change without prior notice. All products are subject to credit and property approval. All approvals are subject to underwriting guidelines. Not all products are available in all states or for all dollar amounts. Other restrictions and limitations may apply. VA loans subject to individual VA Entitlement amounts and eligibility, qualifying factors such as income and credit standards, and property limits. NEXA Mortgage, LLC is not affiliated with any government agencies. These materials are not from VA, HUD or FHA, and were not approved by VA, HUD or FHA, or any other government agency. Copyright © 2025 NEXA Mortgage, LLC NMLS#1660690. AZMB#0944059. 5559 S Sossaman Rd, Bldg #1 Ste #101, Mesa, AZ 85212, 602-344-9333. NEXA Mortgage, LLC is an Equal Housing Lender. All rights reserved.
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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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