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Chad Holsted

No suits. No skyscrapers. Just better mortgages.

Chad Holsted · Senior Loan Officer

NMLS# 1520836

Mortgage Advisor

Xpert Home Lending Inc.

NMLS# 1520836

(501) 977-3406
About

Meet Chad

A mortgage isn't complicated. It's just a process with a lot of moving parts.

Areas Served

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I live in Russellville, and Pope County is home. Around here people still do business on a handshake, and they remember how you treated them long after the deal closes.

I left corporate mortgage banking to build this the way it should have been built — no call centers, no pressure, no scripts. Just straight answers and loan options built around your actual situation.

I spent almost 30 years DJing weddings and reunions before I got into mortgages. Different job, same skill — read the room, figure out what people actually need, then go get it. Before that I spent years in continuous improvement, which is a fancy way of saying I fixed problems using math and statistics. Turns out that's most of this job. A mortgage isn't complicated, it's just a process with a lot of moving parts.

Being a broker means I'm not stuck selling one company's product. I shop your file across lenders and bring back what fits — conventional, FHA, VA, USDA, or the stuff a bank won't touch, like a bank statement loan for someone self-employed or a DSCR loan on a rental.

And I'll tell you straight where you stand. If right now isn't your moment, I'll say so, and I'll tell you what to work on so it is.

1 States Licensed
Chad's Advantage

Why choose Chad?
 
 
 
 

01

You get me

I answer my own phone. Same person from the first question to the closing table.

02

More than one lender

I'm a broker, so I shop your file instead of selling you one company's product. Different lenders want different files. Yours goes where it fits.

03

Straight answers

If there's a problem, you'll hear about it early, while there's still time to do something about it.

04

Less waiting on paperwork

I've automated most of the document chase, so your file keeps moving between our conversations.

Plan Your Purchase

Mortgage Payment Calculator
 
 

Payment Estimator Chad's Calculator
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Estimated Monthly Payment

$2,076

Principal & Interest $2,076
Loan Amount $320,000
Start Working with Chad

No obligation. Takes about 2 minutes.

Client Reviews

Real Reviews from Chad's Clients

"Always comes through with his word! Answers all the questions in a timely manner and stays in contact!! Highly recommend!"

Myra Strecker
Myra Strecker 2026-08-13
Review

"Knowledgeable, uplifting, open for questions, and shares options!"

Tim Stecker
Tim Stecker 2026-08-13
Review
Loan Programs

Available programs

Conventional Loans FHA Loans VA Loans USDA Loans Jumbo Loans Reverse Mortgages Bank Statement Loans Non-QM Loans ITIN Loans Asset Utilization Loans HELOCs Down Payment Assistance Bridge Loans DSCR Loans Commercial Loans Hard Money Loans
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Chad

Chad Holsted

Mortgage Advisor

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Hey Chad! I am Your Name, came across your profile on the Xpert Website and am wanting some help on a home purchase. What would be my next steps?

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