View our future homebuyer educational resources below.

Guaranteed Accurate Pre-Approval

Guaranteed Accurate Pre-Approval

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
Our Performance Guarantee

Our Performance Guarantee

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
Local Operations

Local Operations

We love the mortgage business because we get to help families realize the American Dream of homeownership. But the only way Dave Gallegos and his team will ever operate his company is by having complete & total control over mortgage process from start to finish. The reason is simple, we know you are counting on us to do what we said we would do, and we know it’s our reputation at stake!

  • Locally managed and supervised Disclosing, Underwriting, Processing and Closing
  • A friendly helpful staff that can answer all your questions
  • You’ll have one point of contact besides your Loan Officer
  • We guarantee your loan will close On Time, Under Budget, with No Surprises
Loan Trauma Center

Loan Trauma Center

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 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.

Guaranteed Accurate Pre-Approval
Our Performance Guarantee
Local Operations
Loan Trauma Center

OTUBNS® Stands For: On Time, Under Budget with No Surpises

Because that's what everyone wants when they get a mortgage.


Hallmark Home Mortgage offers a wide range of loan options.

Home Icon


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
Home Icon


VA Loans are 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
Home Icon


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
Home Icon


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
Home Icon


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
Home Icon


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
Home Icon


ARM loans are simply adjustable rate loan programs that may be 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
Home Icon


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
Home Icon


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

Learn More
Home Icon


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

Learn More
Download Our PDF

Consumer's Guide To Home Financing


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?"

Home Icon


Pre-approved to closing ratio.


We guarantee our full-document pre-approvals.

Home Icon

"Clear to Close" in as fast as



We were “Clear to Close” in as fast as 9 business days in January!

Home Icon

16.2 DAYS

Between application and clear to close


We’ve consistently averaged 16.2 days between application and clear to close since 2010.*

Home Icon

We were Clear to Close


to the loan objection deadline on average in January.


On average, we were “Clear to Close” 3.6 days prior to the loan objection deadline in January!


Don't take our word for it, see what our clients have to say about their experience working with Hallmark Home Mortgage.

Quick turnaround and plenty of touchpoints weâ??re awesome! Ellen Weber, Mar 21, 2018
Chris was responsive, answered all our questions, and was a great advocate during the home buying process ! Andrea D Droz, Mar 19, 2018
This is my second home loan with Chris, and the process was as smooth and seamless as the first. Justin Williams, Mar 15, 2018
Chris was very knowledgeable throughout the mortgage process. I was always in direct communication for him â?? never on hold or waiting around to get in touch. Andrew Scott English, Mar 13, 2018
Thank you for your help and promptness! Maureen C Rohlwing, Mar 12, 2018
I appreciated the teams ability to quickly notice and address any items that could affect the loan and/or our ability to close. From the initial call to closing we felt confident Giuseppe and his team were there to answer questions. Great experience, and highly recommend! Adam L Pring, Mar 11, 2018
Very helpful! Answered all my questions Lauren Nelson, Mar 10, 2018
I was a first time homebuyer and was super anxious about the whole process. Chris helped me with getting pre-approved and made the whole process easy from there. He was always super clear on what was needed from me to make final loan approval successful. Kelly A Schumacher, Mar 08, 2018
Chris was available and willing to get back to us at seemingly any time of day to ensure we understood all of the documentation and processes fully. Daniel Ziegler, Mar 06, 2018
Very professional and good communication all the way through the process. Andrew Hadden, Mar 06, 2018
The team did a great job James A Holt, Mar 05, 2018
Personal service. Great communication and constant follow up. Susan L Holt, Mar 05, 2018
Thanks so much! Tressa Schwab, Mar 05, 2018
Brock was available around the clock for me and my busy work schedule. He gave me accurate advice and quotes along the way to ensure I was comfortable with the buying process. I will absolutely use Brock in the future. Jaimes Guerrero Willemain, Mar 04, 2018
Excellent service!!! Would definitely recommend!!! Raymond Gutierrez, Mar 04, 2018


Fill out the contact form below or call us at 303-347-7598 to speak with a Hallmark Home Mortgage team member.

Web Design & SEO by IIS