The Holliday Financial Mortgage Planning Experience is different than the typical "shopping for a mortgage" experience.

Our mortgage planning relationship is about you:

• Receiving valuable financial advice and guidance that can literally save you hundreds of thousands of dollars.
• Trusting a professional who is committed, qualified and equipped to deliver what we promise.
• Experiencing a professional level of service when you are in the market to buy a home, refinance your mortgage or make cash flow changes to enhance your lifestyle.
• Implementing a defined financial plan of action in helping you achieve your life goals and dreams.
• Maintaining an ongoing high trust relationship with Holliday Financial who can help you make necessary changes in your debt, cash flow and home equity planning strategies.

1. Establish and define our relationship.

• We will ask:
• you for information about your financial situation and your time frame for results and success.
• Gather all the necessary documents before giving you the advice you need.
• Clearly explain or document the services we will provide to you.
• Explain how we will be paid and by whom. We are typically compensated through origination fees from our client and/or a commission structure set up with the lenders we work with.
• You Should:
  • Clearly explain how financial decisions are made in your household and include all the key decision makers in consultations with Holliday Financial.
  • Be prepared to share personal and financial information with us in order for us to be able to advise you on how best to achieve your goals.

2. Analyze and evaluate your financial status.

• We will analyze your information to assess your current situation and determine what you must do to meet your goals. Depending on what services you have asked for, this could include analyzing your credit situation, real estate equity, debt situation and cash flow.

3. Develop and present mortgage planning recommendations and/or alternatives.

• We will offer mortgage planning recommendations that address your goals based on the information you provide. We will go over the recommendations with you to help you understand them so that you can make informed decisions. We will listen to your concerns and revise the recommendations as appropriate.

4. Implementing the mortgage planning recommendations.

• Together we should agree on how the recommendations will be carried out. Holliday Financial may serve as your "coach," coordinating the whole process with you and other professionals such as CPAs, CFP® professionals, attorneys, Realtors, builders, insurance professionals and other qualified advisors.

5. Monitoring the mortgage planning recommendations through a quarterly or annual mortgage and equity management review.

• Together we will agree on how you will both monitor your progress toward achieving your goals. During this review, we can adjust our recommendations, if needed, as your life changes. Most often, this process involves periodic assessment of:
• Your fluctuating cash flow needs.
• Changing market interest rates and mortgage strategies.
• Income and career alterations.
• Family changes including:
• Children's financial needs.
• Caring for elderly parents.
• How your real estate equity and investments are performing from both a cash-flow and "internal rate of return" perspective.