Tampa Bay Mortgage Strategy
Is Holden Kellerhals Tampa Bay’s Best Mortgage Strategist?
Let’s see what the clients have to say.
Holden Kellerhals
Mortgage Strategist and Educator
NMLS #2646551
NEXA Lending, NMLS #1660690
Buyer Story
“I cannot say enough good things about Holden. I would consider him a magical angel, whom helped my partner and I in buying a home in Saint Petersburg. Without his help we would have never been able to get to the finish line. I recommend him and his team for anything to do with lending. Holden is the absolute best.”
Mikey T.
FHA
We Made It Work
“Holden was amazing. From start to finish he was making sure my loan was moving along on time. He pushed when needed. Always professional and communicative. During the most crucial and critical tim, he was there for me. We all know buying property is stressful, but Holden took a lot of the stress away. I would recommend him to anyone. You won’t be disappointed.”
Pete M.
Conventional
Mortgage Strategy Built for Tampa Bay
Finding the right home in Tampa Bay can be exciting, complicated, and occasionally a little weird. That is why local financing strategy matters.
From historic homes in St. Petersburg to waterfront condos, suburban communities, investment properties, and homes across Tampa and the surrounding region, every transaction can come with its own financing puzzle.
Holden Helps is built around one idea: understand the property, understand the borrower, and find a financing strategy that actually fits real life.
Whether you are buying your first home, moving across Tampa Bay, purchasing a condo, investing in real estate, or exploring how your existing home equity fits into your next chapter, the goal is the same:
Find the strategy that makes the deal work.
- St. Petersburg
- Pinellas County
- Tampa
- Hillsborough County
- Greater Tampa Bay
Partner Story
“I had the pleasure of working with Holden Kellerhals of NEXA Lending, who represented the buyer on one of my listings. From start to finish, Holden was an excellent communicator; providing consistent weekly updates, staying proactive, and ensuring everything was handled correctly and on time. He went above and beyond to make the transaction smooth for everyone involved. I’d recommend him to anyone looking for a lender who delivers top-notch service and professionalism.”
Bryan C.
Partner
Partner Story
“Holden was absolutely fantastic to work with! From the moment our buyers connected with him they felt confident in their decision to work with him. Holden was proactive in helping get our buyer’s offer accepted with the seller by explaining the buyer’s qualifications with financing, and was always available for our questions throughout the transaction. As a Realtor, having a qualified, competent mortgage broker working with the buyer is essential to a smooth transaction. I highly recommend.”
Bobby P.
Partner
Local Knowledge Across Tampa Bay
Tampa Bay is not one single real estate market. A condo in downtown St. Pete can present very different financing questions than a home in Palm Harbor, South Tampa, Wesley Chapel, or Trinity.
That is exactly why local market knowledge matters.
St. Petersburg + Pinellas
- Downtown St. Petersburg
- Historic Kenwood
- Old Northeast
- Crescent Heights
- Shore Acres
- Snell Isle
- Gulfport
- Seminole
- Clearwater
- Dunedin
- Safety Harbor
- Palm Harbor
- Tarpon Springs
From older housing stock and flood-zone considerations to condos and coastal properties, Pinellas County often requires more than a cookie-cutter financing approach.
Tampa + Hillsborough
- South Tampa
- Hyde Park
- Seminole Heights
- Carrollwood
- Westchase
- Tampa Heights
- Channelside
- Downtown Tampa
- Brandon
- Riverview
- Apollo Beach
Tampa offers everything from historic neighborhoods and urban condos to suburban communities and newer development, each with different financing considerations.
Greater Tampa Bay
- Lutz
- Wesley Chapel
- Trinity
- Odessa
- Land O' Lakes
As Tampa Bay continues to grow outward, buyers are looking beyond the urban core for more space, newer construction, and different lifestyle options.
The point is not just knowing where the property is. It is knowing what questions to ask once we find it.
Mortgage Options for Real Life
Not every borrower fits into the same box, and not every property does either.
Reverse Mortgage
For homeowners age 55+ exploring ways to use home equity as part of retirement, housing, or financial planning.
Reverse Mortgage for Purchase
A strategy that may allow eligible buyers age 55+ to purchase a home using a reverse mortgage structure.
Condos + Non-Warrantable Condos
Financing strategies for condominium properties that may not fit traditional agency guidelines.
Conventional Loans
Flexible financing options for primary homes, second homes, and qualifying investment properties.
FHA Loans
Government-insured financing that may provide additional flexibility for qualifying buyers.
VA Loans
Home financing options available to eligible veterans, active-duty service members, and qualifying surviving spouses.
Jumbo Loans
Financing for properties above conventional conforming loan limits.
Investor + DSCR Loans
Financing options designed around real estate investors and property cash flow.
Self-Employed + Non-QM
Including options such as:
- Bank statement loans
- Asset depletion
- 1099 income
- Alternative documentation programs
Home Equity Solutions
Including:
- HELOCs
- Home equity loans
- Bridge financing
- Equity-based strategies
The best loan is not necessarily the one everyone else is talking about. It is the one that fits the borrower, the property, and the plan.
Let’s Look at Your OptionsThe Experience
HOLDEN went above and beyond , I felt like he was on his game, to be sure we got the best financing, even as things and options changed, kept us informed, and on target. We have spoken on his work and ability to work through tough situations, and he informed of so much the area we have moved in, has to offer.
Frankie A.
FHA