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

REFINANCE RESOURCES

Hallmark Home Mortgage offers a wide range of refinance resources and options.

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SHOULD I REFINANCE

Learn some of the basics about refinancing and how to determine if it makes sense for you. Everyone’s situation is different, so don’t rely on the media or advertisers to decide. Here’s how to do that.

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HOW REFINANCING WORKS

What’s really going on when you refinance your mortgage? How to cut through the clutter and determine for yourself the best course of action and what you should evaluate.

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FHA STREAMLINE REFINANCE

FHA Streamline refinance refers to the refinance of an existing FHA-insured mortgage requiring limited borrower credit documentation and underwriting. Streamline refinances are available under credit qualifying and non-credit qualifying options, and may or may not require an appraisal.

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VA STREAMLINE REFINANCE

VA Streamline or IRRRL loans can be made to refinance an existing VA loan, lower your rate and payments, or go from an adjustable to a fixed rate loan.

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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.

Jacalyn made this process very easy for me which is extremely important as a busy professional! Jessica Hope Ramos, Nov 06, 2018
Chris was great about breaking down the loan parts and going over different options. Even when I was considering going with another lender he was still very supportive and informative about the loans and compared them objectively. Overall I feel great about the loan option and had no surprises at closing! Would highly reccomend and use again! Alison Lucille Cabrera Walker, Nov 06, 2018
Tom was amazing from our first meeting through the closing of our first home. Tom has turned into a friend of mine during this process and I'd definitely recommend him to others. Cady Wilson, Nov 06, 2018
Very easy to contact and always willing to answer questions. Jacalyn and her team were fantastic to work with. Whitney M Rice, Nov 06, 2018
Nicole was helpful but no one was there on my actual closing date for questions. Holly Thorsen, Nov 05, 2018
Guiseppe and his team were wonderful to work with, and made sure we felt valued and appreciated as is clients. They definitely strive to make their clients feel as comfortable and informed as possible, and in a timely manner. I would definitely recommend Guiseppe to anyone buying a home! Rachel E Hargroder, Nov 02, 2018
Chris & his team did an awesome job getting me through the process. From the start they covered multiple options & let me make the decisions, that I felt were right for me. For a first time home buyer, I really felt I was in good hands. Thanks Chris, Devin & a special thank you to Chelsea/Annie (It was a quick process & they both really stayed on top of my outstanding items). William Helstad, Nov 01, 2018
Giuseppe and team were incredible throughout the entire experience. We cannot thank them enough for making us feel comfortable and confident as first-time home buyers. They kept us up-to-date every step of the way and even sent us thoughtful, small gifts at certain milestones. We will recommend this team to everyone we know! Michael Carroll, Nov 01, 2018
Giuseppe and team were all very responsive and helped us on a quick timeline. The customer service was extraordinary, and we're recommending Giuseppe and team to everyone! Claire Carroll, Oct 31, 2018
The team was engaged, communicated very well and delivered on what was promised. I’ve already referred 2 family members and will continue to do so! James Pallotto Jr, Oct 31, 2018
Giuseppe and his entire team made the whole process smooth and worry free! Knowledgeable, professional, and nice, they are always on top of their game... communicating to us everything we needed to do and patiently walked us through each step. Our loan went through without a hitch! Brent R Biggs, Oct 31, 2018
Chris worked really hard to get us the best rate we could possibly get. He personalized my options that would be best for me. Jonathan William Ratkiewicz, Oct 31, 2018
Todd educated us on interest rates and many other things. It was very interesting and helped us make a much more educated choice. Nancy Grace Burlak, Oct 30, 2018
Explained everything really well. Prices and figures actually were what he said they would be at closing. Erik Hjeltnes, Oct 30, 2018
Brock was very to the point, informative, and just an all around great guy ! My wife and I highly recommend Brock Walker . It was a great experience ! Thank you Brock ! Corey C Elliott, Oct 30, 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.