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Has your lender ever...

  • Made you look bad in front of your customer.
  • Avoided or ignored you phone calls & emails.
  • Pre-approved a buyer that couldn’t close.

Watch our video to learn more.

Contact us today for more information or call us at (303) 789-9933 Contact Us

How we help agents make more money

See what other real estate agents in the Denver market say about working with Hallmark

Property Address: 16035 Ridge Tee Dr

I’m always happy with Andrew’s communication and help for my clients.

Communication from the Processor & Processing Department.
Communication from the Loan Officer.
Were figures to the title company 3 days before closing?
Were the contract deadlines met?
How would you rate your overall experience with Hallmark?

EXCELLENT

Will you use us or recommend us in the future?
Jackie Yost, Your Castle Real Estate

Property Address: 14345 Erin Court

Brock is wonderful. I felt as though he and I were a team working through this entire deal and I will certainly be recommending him to clients in the future. Top notch service from a top notch guy!

Communication from the Processor & Processing Department.
Communication from the Loan Officer.
Were figures to the title company 3 days before closing?
Were the contract deadlines met?
How would you rate your overall experience with Hallmark?

EXCELLENT

Will you use us or recommend us in the future?
Schuyler Minckler, Keller Williams

Property Address: 401 Rockwood

Already recommended you to my son who is a realtor in Denver.

Communication from the Processor & Processing Department.
Communication from the Loan Officer.
Were figures to the title company 3 days before closing?
Were the contract deadlines met?
How would you rate your overall experience with Hallmark?

EXCELLENT

Will you use us or recommend us in the future?
Dianne Dinnel, Keller Williams Colorado West Realty

Property Address: 9039 Panorama

Dan did a stellar job… First closing that I didn’t have to worry about what the lender was doing, I could spend my time focusing on being a realtor! Dan is top notch and I’ve already recommended him to many and will continue to do so! Thanks Dan!

Communication from the Processor & Processing Department.
Communication from the Loan Officer.
Were figures to the title company 3 days before closing?
Were the contract deadlines met?
How would you rate your overall experience with Hallmark?

EXCELLENT

Will you use us or recommend us in the future?
Kristal Erickson, Keller Williams

Property Address: 3924 W. 97th Place

This was a tougher loan file due to buyer owning assets in S. Africa. Your team did a great job of doing what they needed to navigate thru things!

Communication from the Processor & Processing Department.
Communication from the Loan Officer.
Were figures to the title company 3 days before closing?
Were the contract deadlines met?
How would you rate your overall experience with Hallmark?

EXCELLENT

Will you use us or recommend us in the future?
Craig Bennigsdorf, RE/MAX Alliance

Property Address: 710 Raleigh St

Excellent communication! Your team provided status updates every step of the way.

Communication from the Processor & Processing Department.
Communication from the Loan Officer.
Were figures to the title company 3 days before closing?
Were the contract deadlines met?
How would you rate your overall experience with Hallmark?

EXCELLENT

Will you use us or recommend us in the future?
Shirley Garcia, Autumn Gold Real Estate

Property Address: 7526 Marshall

Jesse’s communication with the client and agent is amazing. Hallmark always exceeds my expectations. Thank you Jesse.

Communication from the Processor & Processing Department.
Communication from the Loan Officer.
Were figures to the title company 3 days before closing?
Were the contract deadlines met?
How would you rate your overall experience with Hallmark?

EXCELLENT

Will you use us or recommend us in the future?
Will Story, Keller Williams

Property Address: 401 Rockwood

It was a pleasure to transact this real estate purchase with your company. We will definitely recommend Hallmark in the future.

Communication from the Processor & Processing Department.
Communication from the Loan Officer.
Were figures to the title company 3 days before closing?
Were the contract deadlines met?
How would you rate your overall experience with Hallmark?

EXCELLENT

Will you use us or recommend us in the future?
Julie Shafer, Coldwell Banker Distinctive Properties

Property Address: 2698 S Patton CT

Because of the seller’s lack of communication and adherence to the dates & deadlines, we ran into problem. If Chris had not been at the close, the loan may not have gone through. He was able to place calls and immediately get the needed answers. GREAT job.

Communication from the Processor & Processing Department.
Communication from the Loan Officer.
Were figures to the title company 3 days before closing?
Were the contract deadlines met?
How would you rate your overall experience with Hallmark?

EXCELLENT

Will you use us or recommend us in the future?
Ed Hickok, Keller Williams DTC

Property Address: 1680 S Vallejo

Dan did a great job and was great at communicating with me every step of the way.

Communication from the Processor & Processing Department.
Communication from the Loan Officer.
Were figures to the title company 3 days before closing?
Were the contract deadlines met?
How would you rate your overall experience with Hallmark?

EXCELLENT

Will you use us or recommend us in the future?
Dan Peterson, Innovative Real Estate Group

Property Address: 12171 W Dakota Dr

Giuseppe and his team were easy to work with throughout the transaction. As the listing agent I was impressed by the professionalism, communication and follow through at every stage in the process.

Communication from the Processor & Processing Department.
Communication from the Loan Officer.
Were figures to the title company 3 days before closing?
Were the contract deadlines met?
How would you rate your overall experience with Hallmark?

EXCELLENT

Will you use us or recommend us in the future?
Kathi Vaggalis Schaaf, Homesmart Realty Group

Property Address: 12186 Melody Drive

Hallmark did an excellent job of processing a difficult loan. I would certainly use them again.

Communication from the Processor & Processing Department.
Communication from the Loan Officer.
Were figures to the title company 3 days before closing?
Were the contract deadlines met?
How would you rate your overall experience with Hallmark?

EXCELLENT

Will you use us or recommend us in the future?
Tamara Camalick, RE/MAX Alliance

Property Address: 12186 Melody Drive

Hallmark did an excellent job of processing a difficult loan. I would certainly use them again.

Communication from the Processor & Processing Department.
Communication from the Loan Officer.
Were figures to the title company 3 days before closing?
Were the contract deadlines met?
How would you rate your overall experience with Hallmark?

EXCELLENT

Will you use us or recommend us in the future?
Tamara Camalick, RE/MAX Alliance

Property Address: 9140 Emerson Street

Jesse rocks. He did some above and beyond work for these clients, and I’m grateful to have him on the team!

Communication from the Processor & Processing Department.
Communication from the Loan Officer.
Were figures to the title company 3 days before closing?
Were the contract deadlines met?
How would you rate your overall experience with Hallmark?

EXCELLENT

Will you use us or recommend us in the future?
Rhonda Maki, Keller Williams – Park Meadows

Property Address: 825 Inca Street

The communication was excellent throughout the whole transaction. The lender was well ahead of all the deadlines, and my buyer always was looped into what was happening with the lending side. We never had to ask questions, as things were always taken care of before it was became a question.

Communication from the Processor & Processing Department.
Communication from the Loan Officer.
Were figures to the title company 3 days before closing?
Were the contract deadlines met?
How would you rate your overall experience with Hallmark?

EXCELLENT

Will you use us or recommend us in the future?
Solomon Geigle, Trelora LLC

Property Address: Laredo Street

Andrew great like always.

Communication from the Processor & Processing Department.
Communication from the Loan Officer.
Were figures to the title company 3 days before closing?
Were the contract deadlines met?
How would you rate your overall experience with Hallmark?

EXCELLENT

Will you use us or recommend us in the future?
Bill White, Hat Trick Properties LLC

Property Address: 6286 W 86th Ave

I was the listing Agent on this sale. Chris did an exceptional job and I would look forward to working with him again in the future!

Communication from the Processor & Processing Department.
Communication from the Loan Officer.
Were figures to the title company 3 days before closing?
Were the contract deadlines met?
How would you rate your overall experience with Hallmark?

EXCELLENT

Will you use us or recommend us in the future?
Zoe Macaulay, RE/MAX Synergy

Property Address: 8520 Copenhagen

Fantastic as usual, thanks Dan!

Communication from the Processor & Processing Department.
Communication from the Loan Officer.
Were figures to the title company 3 days before closing?
Were the contract deadlines met?
How would you rate your overall experience with Hallmark?

EXCELLENT

Will you use us or recommend us in the future?
Kristal Erickson, Keller Williams

Property Address: 11455 E Arkansas

Giuseppe and his team always knock the ball out of the park for our clients. I have 100% confidence in referring anyone to them!

Communication from the Processor & Processing Department.
Communication from the Loan Officer.
Were figures to the title company 3 days before closing?
Were the contract deadlines met?
How would you rate your overall experience with Hallmark?

EXCELLENT

Will you use us or recommend us in the future?
Brittany Armstrong, Kentwood-DTC

Property Address: 1381 Carlyle Park Circle

This was a First Time Home Buyer. Jacalyn made the experience for my buyer very easy to understand.

Communication from the Processor & Processing Department.
Communication from the Loan Officer.
Were figures to the title company 3 days before closing?
Were the contract deadlines met?
How would you rate your overall experience with Hallmark?

EXCELLENT

Will you use us or recommend us in the future?
Laurie Gallegos, Metro Brokers

Property Address: 9932 W. Missippi

Your regular (written) reporting during the process kept stress to a minimum. We liked your guarantee.

Communication from the Processor & Processing Department.
Communication from the Loan Officer.
Were figures to the title company 3 days before closing?
Were the contract deadlines met?
How would you rate your overall experience with Hallmark?

EXCELLENT

Will you use us or recommend us in the future?
Rick Lunnon, Real Estate Sales and Counseling

Property Address: 1999 S Winona CT

Todd G is always a delight to work with!

Communication from the Processor & Processing Department.
Communication from the Loan Officer.
Were figures to the title company 3 days before closing?
Were the contract deadlines met?
How would you rate your overall experience with Hallmark?

EXCELLENT

Will you use us or recommend us in the future?
Kari Lundberg, Porchlight Real Estate Group
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We create peace of mind for you and your customers – so no waiting around for your clients to get their keys and asking “Where’s the money?”

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you can “take it to the bank”

We guarantee our full-document pre-approvals.

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WE MAKE REALTORS LOOK GREAT!

We beat the national closing average by 19 days*.

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SPEED

We’ve consistently averaged 16.6 days between application and clear to close since 2010.**

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CONSISTENCY

We’ve been “Clear to Close” on or before the Loan Objection Deadline 98.8% of the time.

Do you need a loan to close quick?

Our OTUBNS Rapid Closing program is the answer.

Call us for details.

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*According to Ellie Mae’s Origination Insight Report September 2017, Avg. is 43 Days vs. 24 Days for Hallmark
**Business Days

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Hallmark Home Mortgage, LLC, NMLS # 53441 all rights reserved. Hallmark is licensed in Colorado: check the status of your mortgage loan originator, visit http://www.dora.state.co.us/real-estate/indes.htm. NOTICE: All loans are subject to credit, underwriting and property approval guidelines. Offered loan products may vary by state. There is no guarantee that all borrowers will qualify. This is not a commitment to lend. Terms, conditions and programs are subject to change without notice. Contact us for additional details. Regulated by the Division of Real Estate.

Guaranteed accurate pre-approval

Full document pre-approval guarantee

CLOSING LOANS ON TIME, UNDER BUDGET WITH NO SURPRISES

Hallmark Guarantees our Full Document Pre-Approvals as long as:

  • Your personal financial qualifications stay the same or improve
  • The pre-approved loan parameters stay the same or improve
  • The property meets all the necessary loan requirements

If we were wrong, we will:

  • Reimburse documented short-term moving, relocation and/or storage expenses up to $1,500
  • Reimburse any documented lost home inspection or appraisal expenses up to $1,000
  • Reimburse any forfeited earnest money expenses up to $7,500

Contact Us

Hallmark performance guarantee

Performance Guarantee

CLOSING LOANS ON TIME, UNDER BUDGET WITH NO SURPRISES

Your final closing costs will not exceed our quote at the time you lock

  • Or we’ll pay you the difference PLUS $500 after you close

We will meet the loan objection deadline per the original sales contract

  • Or we’ll pay you $500 after you close

We will meet the Closing Deadline per the original sales contract

  • Or we’ll pay you $500 after you close

We will wire funds to title 1 day before closing

  • Or we’ll pay you $500 after you close

Contact Us

PATH 2 BUY HOMEOWNERSHIP COACHING

The American dream of homeownership

The 4 things you need to evaluate before buying your first home.

Is The Path2Buy Program Right For You?

Are you one of the many renters who wants to become a homeowner – but you’re just not ready? Or maybe you lost your home n the past and you’re not sure you can ever qualify to own a home again? Don’t sell yourself short!

Our free Path2Buy© Homeownership Coaching Program will help you through the process of preparing your credit and finances so that when the time you comes, you will be ready to buy.

If you want to be a homeowner at some time in the future – whether in 5 months or 5 years – you owe it to yourself and your family to get started now. Get on the Path2Buy©. Its completely free, and you will leave the initial consultation with an action plan customized to your specific needs.

The path

  • Apply – Fill out the form below or contact us via phone.
  • Face-to-face Consultation – 20-30 minute meeting to discuss your personal situation.
  • Action Plan – You will walk away from the consultation with a customized plan for moving forward.
  • Follow-Up – Your Homeownership Coach will regularly touch base with you to keep you on the Path.

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DO YOU HAVE A LOAN IN PROCESS THAT MIGHT NOT CLOSE?

Are you worried there is not enough time to switch lenders?

We understand that time is of the essence because your buyer may end up with no place to live, your seller might need the proceeds to close on their next loan, and your reputation and income is at stake.

OUR TRAUMA CENTER IS THE EMERGENCY ROOM FOR LOANS IN TROUBLE.

Our expert team is standing by, ready to assist you and your clients! Do you want answers? Do you need expert advice? Would you just like to know if it’s even possible to close?

We work faster than anyone in the market to get you the truth so you can know what to do.

Here is our process:

Within 8 hours…

  • We interview both the real estate agent and the borrower.
  • We fast-track this loan directly to our underwriting team on day one to determine the approve-ability of the loan.
  • We collect any and all missing documentation.

Contact us immediately if:

  • You think you may have a closing in danger.
  • Your buyers’ earnest, inspection and appraisal monies are in jeopardy.
  • The other lender has failed to deliver on promises or has simply gone silent…

Stop stressing and call me today so you can stop the torture inflicted on you and your clients.
Don’t lose another client or commission to questionable financing!

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Recent Success Story

We had a referral partner provide a lead to us for a borrower who was looking to purchase a home; this was a first time homebuyer. We reached out to the potential borrower and he received no response; the borrower had decided to go with one of the big “mega lenders here in Denver” and a top 10 lender nationally at this point. The borrower went under contract but received a bad appraisal that was more than $20,000 below the sales price. Our referral partner then reached back out to us and asked if there was anything we could do to help. We completed the borrower’s application on March 3rd, and the borrower closed on his home on March 23rd. The new appraisal came back just over the sales price. The transaction was completed in 14 business days and the file was Clear to Close a week before the closing date.

WHAT DOES OTUBNS® MEAN?

For us it’s getting the full loan approval no later than the loan objection deadline, getting the CD to the buyer an average of 4 days before closing, and wiring the money a day early. For you, it means absolute peace of mind that your buyers and sellers will close On Time, Under Budget with No Surprises®! YES! It is possible, and we are doing it on a daily basis! Not only that, we guarantee it.

Hallmark Home Mortgage, LLC, NMLS # 53441 all rights reserved.  Hallmark is licensed in Colorado: check the status of your mortgage loan originator, visit http://www.dora.state.co.us/real-estate/indes.htm.  NOTICE:  All loans are subject to credit, underwriting and property approval guidelines.  Offered loan products may vary by state.  There is no guarantee that all borrowers will qualify.  This is not a commitment to lend.  Terms, conditions and programs are subject to change without notice.

Local Operations

Local Operations

As a Realtor, one of the most important things about your business is your ability generate a steady flow of repeat business and referrals from your past clients, am I right?

Well, if you work with a lender that ever closes late and ugly – and does not consistently deliver an on-time, under-budget, no-surprise closing for your clients – you are simply facing un uphill battle.

You may have never thought of it in those exact terms, but if you have any experience in this at all, you know what happens when the ball is dropped by your lender. Close late, and ugly, and you can forget repeat and referral business from that client.

Not to mention all the time you will waste trying to get the deal done at the 11th hour.

I’ve been doing this for over 17 years now – and the only way I would work in this business is if my loans are being disclosed, underwritten, processed, closed and funded from the local operations center that we’ve built. Everything is supervised and managed by a local management team. And they all report to me.

If you want to build and grow your Real Estate business – yes, you have to do your part. But the mortgage company you refer owes you, and your buyer’s an excellent experience.

Check out our process on this page – and then when you are ready to schedule a conversation and meet with one of our loan officers, just click on the link below- and we’ll talk.

Don’t settle for working with an average or good enough lender. You can have a great business – if – you align yourself with a great lender 1st.

Loan Options

FHA LOANS

An FHA mortgage is a government-insured home loan. Features for FHA loans include less strict credit history requirements, down payments as low as 3.5% (gifts can be used for down payments), and very competitive interest rates.

Learn More

VA LOANS

VA Loans are mortgage loans issued by approved lenders such as Hallmark Home Mortgage, guaranteed by the federal government, for active duty or honorably discharged military personnel. Features include $0 down payment for loans under $417,000, no monthly mortgage insurance, and very competitive rates.

Learn More

CONVENTIONAL LOANS

These loans are ideal for borrowers with good or excellent credit, and they feature conservative guidelines for credit scores, down payments and debt to income ratios. There are conventional loan programs available with as little as 3% down payments.

Learn More

JUMBO LOANS

Exactly what they sound like, Jumbo loans are larger loan amounts over $417,000. These loan programs typically require stronger credit profiles with down payments starting as low as 10% for some borrowers.

Learn More

DOCTOR LOANS

Specialty Loan Programs exclusively for Doctors, Dentists, Podiatrists, Ophthalmologists, and Veterinarians. 100% financing up to $650,000 with no mortgage insurance. 90% financing up to $1.0 Million with no mortgage insurance, and 75% financing up to $2.0 Million

Learn More

CHFA LOANS

Hallmark is an approved CHFA lender, offering a variety of loan programs to assist Coloradans with access to competitive fixed rate financing, down payment and/or closing cost assistance for both purchasing a home and refinancing.

Learn More

ARM LOANS

ARM loans are simply adjustable rate loan programs that maybe available for the various other loan programs we offer. These can be an excellent alternative for some borrowers, and can be easily explained by one of our home loan experts.

Learn More

Construction/Rehab Loans

Hallmark Home Mortgage works with accepted local builders on New Construction Home Loans. And we can work on loan to help you complete that big remodel rehab project you’ve always wanted to do. We handle each step of the loan process, allowing you to focus on your Home not your Loan.

Learn More

FAQs

Answers to some commonly asked questions regarding buying a home or refinancing a loan

Learn More

GLOSSARY

View our glossary of terms and educate yourself on the home loan and refinance process

Learn More

 

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