Chad Holsted
Chad Holsted · Senior Loan Officer
NMLS# 1520836
Mortgage Advisor
Xpert Home Lending Inc.
NMLS# 1520836
A mortgage isn't complicated. It's just a process with a lot of moving parts.
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.
I answer my own phone. Same person from the first question to the closing table.
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.
If there's a problem, you'll hear about it early, while there's still time to do something about it.
I've automated most of the document chase, so your file keeps moving between our conversations.
Estimated Monthly Payment
$2,076
No obligation. Takes about 2 minutes.
"Always comes through with his word! Answers all the questions in a timely manner and stays in contact!! Highly recommend!"
"Knowledgeable, uplifting, open for questions, and shares options!"
Chad Holsted
Mortgage Advisor
Send Chad a quick text!
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?