

TRADITIONAL
The common approach

One set of rates, one underwriting box
One menu of loan products
If you don't fit, you get denied — or steered into the wrong product
Limited knowledge of state-specific programs
You do the shopping across multiple banks yourself
HOLIDAY MORTGAGE (Independent Broker)

Shop multiple wholesale lenders with one application
Match to the right program: VA, FHA, USDA, Jumbo, DSCR, and more
California specialty programs: CalHFA, CalVET, Down Payment Assistance, Forgivable Grants
Licensed California broker — Jason Youngs (NMLS 350776)
By-appointment service, not a call center

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