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.

Chris is a dedicated individual who works hard for his clients. He took good care of me and got me through a somewhat difficult process. I appreciated his straight talk and proactive support. Richard Slemaker, Jul 19, 2018
Chris was very thorough in making sure we understood the processes and ensured that we did everything necessary to receive our loan. Absolutely awesome. Curtis Sursa, Jul 19, 2018
Mike was fast and good at communicating. Eric C Crennen, Jul 17, 2018
From the very first conversation with Giuseppe we knew we were in great hands. Giuseppe and the whole team at Hallmark mortgage made us feel comfortable and confident in the home buying process. He was extremely responsive and even sent our sons a book about moving so they could be prepared which made them so excited about their new home! I can not recommend Giuseppe and his team enough. Thank you so much! Stephen R Martinez, Jul 17, 2018
I really appreciate how organized the team was in what information/documentation they needed from me. The communication was great from initial contact through closing. Tara July Copas, Jul 16, 2018
Jacalyn and the team at Hallmark Mortgage: + provided timely communication and updates + educated us along the way; not overwhelming amounts of information at any one time + took time to go over loan details / numerical breakdowns with us + informed us when our loan had been sold and gave us the new payment address + and the digital portal was easy to use and a convenient way to transfer documents Katherine Michelle Sauer, Jul 16, 2018
His team was very proficient and made all requirements and timelines clear and easy to meet. Very painless Teresa L Barnhart, Jul 15, 2018
Dan made sure to give me all the information I needed from day one till closing and was quick to respond to any questions I had! Teresa Carter-Lemons, Jul 14, 2018
The whole team is very friendly, works hard, and does everything it takes for a smooth process. Stanislav Ovrutskiy, Jul 14, 2018
Thank you for making this such an easy positive experience for us! Katharine V Draffin, Jul 14, 2018
You guys were very thorough and professional with an easy to use portal. Kevin J McMonnies, Jul 14, 2018
Giuseppe and his team were perfect. Excellent communication. Clear and concise deadlines, along with helpful reminders. Any hiccup or issue that should have been stressful just wasn't with them. Stuart Bell, Jul 13, 2018
. Jason David Gutierrez, Jul 13, 2018
Chris is an amazing lender. He did exactly what was promised and made the entire process easy, understandable, painless. He would always get back to us within a couple of hours and we never had to worry about him not communicating with us or being able to answer our questions. We have been trying to get into our own home for 5 years and Chris is the one who made it happen for us. I have already recommended him to other family and friends and will continue to do so! Alyssa Sursa, Jul 13, 2018
Working with Brock Walker was great! Brock walked me through the mortgage process and my options before making any decisions on my mortgage. Brock took the time to make sure that I was comfortable with paperwork before I signed anything. Brock always communicated in a timely manner and made sure that he was available on my schedule for any questions or concerns. I will definitely recommend him to people. Grady Buckhalter, Jul 12, 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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