OUR 4-STEP SAFE HOME BUYING PROCESS

We understand that the home buying process can be intimidating. Each one of our loan originators
has the experience to guide and educate you during the process so you truly understand your loan
and have clear expectations.

We help walk you through every step so you understand everything you need to know, what you need to do and realize who all of the players are.

EDUCATE

We help walk you through every step so you understand everything you need to know, what you need to do and realize who all of the players are.

We help you understand the difference between rent and a mortgage payment. Your income tax savings, how to beat inflation and how forced savings creates wealth.

KNOW YOUR NUMBERS

We help you understand the difference between rent and a mortgage payment. Your income tax savings, how to beat inflation and how forced savings creates wealth.

We address questions like "When do you have to move?".  We address any loan approval landmines and establish your timeline.

Build Your Plan

We address questions like "When do you have to move?". We address any loan approval landmines and establish your timeline.

We collect and review all credit documents, review in underwriting when necessary.  We establish maximum loan parameters so you can shop like a cash buyer!

GET PRE-APPROVED

We collect and review all credit documents, review in underwriting when necessary. We establish maximum loan parameters so you can shop like a cash buyer!

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

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

OUR GUARANTEES

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
Guaranteed Accurate Pre-Approval
Our Performance Guarantee
Local Operations

LOAN OPTIONS

Hallmark Home Mortgage offers a wide range of loan options.

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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.

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VA LOANS

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.

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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.

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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.

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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

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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.

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ARM LOANS

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.

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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.

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FAQs

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

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GLOSSARY

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

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Download Our PDF

Consumer's Guide To Home Financing

WHAT OUR CUSTOMERS SAY ABOUT US

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

Brock was very encouraging and communicative. I felt like he was there every step of the way. Nick Willard, May 22, 2018
Jacalyn was phenomenal. We had heard many horror stories about the process of getting a mortgage, and were prepared for a long, ridiculous, repetitive process. We walked into a process that was super efficient. Jacalyn was always available to answer our questions, and talked us through all of our loan options carefully and slowly, without condensation. No complication we threw at her seemed to phase her. I will be recommending her without reservation to family and friends. Emma K McLean-Riggs, May 21, 2018
Dan made the whole process easy and understood my needs for purchasing a house. Matthew Kepler, May 21, 2018
Giuseppe's team is fast and communicative through the whole loan process. His videos are a nice touch! ?? Kevin Chen, May 19, 2018
Attention to detail, personalization, great teachers, constant communication, fast close Kerry Chen, May 19, 2018
This is our second time using Hallmark Mortgage. It doesn't get any better-anywhere. Giuseppe and all staff members are top notch. Efficient, helpful ,friendly and just the BEST. We would never even consider another company Lorraine and Ronald Bailey Lorraine B Bailey, May 19, 2018
The communication and prompt responses throughout the whole process were world class. I felt like I had a true partner the entire way. Mark Estrella, May 18, 2018
Excellent customer service and knowledge of the market and industry. Laura Walker Kraus, May 17, 2018
Chris did a great job helping us with our home loan. He was very responsive and attentive at all times. I enjoyed speaking with Chris about our different options and what was right for us. Thanks Chris! Adam Ryan Lemos, May 15, 2018
Giuseppe and team were great to work with from start to finish. We were under an extreme time crunch, but that didn't stop Giuseppe from getting the job done and allowing us to close on the house in record time! Great communication through each stage of the approval and quick turnaround with updates or actual figures for a few of the houses we looked at. Would absolutely recommend and use again! Alexander J. Maxwell, May 15, 2018
Brock worked with us to get into our house without any surprises. He made sure everything was in line and ready for the closing. He is also very personable. Jennie A Morey, May 15, 2018
Jacalyn was excellent. The weekly video updates she provided us made it feel very personal. I know she has other clients but, honestly, it felt like we were 1:1, her only clients. You can tell that she had our best interest in mind. The information she provided on our different options helped us to make intelligent decisions in confidence. Her response time each email I sent was literally minutes! I would 110% recommend Hallmark to anyone! Chrisselda B.L. Ralls, May 14, 2018
Great team who work together to help their clients! Grateful to have them working on our behalf Brianne M. Maxwell, May 13, 2018
The Giuseppe Battaglioli Team did an exceptional job with our refinance. The process was fairly effortless and we felt that we were in good hands the entire time. We would definitely use Giuseppe team for any financing going forward. Michael Edward Sheppard, May 12, 2018
I'm a believer! My wife and I bought a new build because Jacalyn stepped in and made it happen after both the builder's lender failed to perform as well as creative loan programs with other banks. She and her amazing team dove right in, locked everything in up front and smoothed all the wrinkles out for a quick and smooth loan that was best for us! I would call her first every single time and we'll be sending all our referrals to her! Bradford Smith, May 11, 2018

CONTACT US

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

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