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.

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

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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


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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Pre-approved to closing ratio.


We guarantee our full-document pre-approvals.

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"Clear to Close" in as fast as



We were “Clear to Close” in as fast as 7 business days in May 2018!

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16.8 DAYS

Between application and clear to close


We’ve consistently averaged 16.8 days between application and clear to close since 2010.*

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We were Clear to Close


to the loan objection deadline on average in May.


On average, we were “Clear to Close” 2.8 days prior to the loan objection deadline in May 2018!


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

Giuseppe and his team provided clear and timely communication throughout our entire process, and explained everything well so we really understood what our options were. Overall a fantastic experience! Alicia A Jacobs, Dec 12, 2018
We just closed on our mortgage for a new build. The process was long but Giuseppe and his team kept us informed all along the way, even if there were times when we didn't need to be doing anything. They are great about keeping us in the loop and reminding us of upcoming deadlines. If we ever had questions, they were quick with answers and were very accessible. Everyone is extremely friendly and knowledgeable; I would absolutely recommend them to anyone looking for mortgage loan services! Alyssa D Pols, Dec 11, 2018
John was a great advisor in the entire lending process and really made us feel comfortable in what otherwise is usually a stessful one! Robert Charles Martinez, Dec 10, 2018
Tom worked so incredibly hard to help us get in our first home. He made it clear what we could afford from the beginning and then he worked to keep everything moving once we contracted on our home. Katelynn Lippitt, Dec 08, 2018
Chris earned our business every step of the buying and selling process. From the late night and early morning calls, texts and emails. He was extremely professional, courteous and proficient when it came to our expectations. Top performer in our book! Thank you Chris for a wonderful and rewarding relationship! David Rosson, Dec 08, 2018
Giuseppe and his team went above and beyond to reassure us and make the whole experience smooth. They even took calls from us on the weekend. Would recommend! Chelsea Tankus, Dec 08, 2018
Amazing!!! Drew Smith, Dec 08, 2018
Chris is very knowledgeable and professional. He has the expertise to resolve any issues and meet deadlines. Helen Nelson, Dec 08, 2018
Can't recommend Jacalyn enough! As a young first time home buyer I was very hesitant and uninformed about the entire mortgage process when I started considering buying a home. Jacalyn was always incredibly attentive and patient (as I asked A LOT of questions) and made me feel at ease throughout the entirety of the year that we worked together. Thanks for all your help Jacalyn! Claire Fullen, Dec 06, 2018
This is the second time I’ve bought a property with the help of Giuseppe and his team! Buying a house is never easy or stress-free, but I’ve always felt incredibly supported by the entire team. Giuseppe was also available on weekends and evenings to speak with the sellers’ realtor and answer questions. I highly recommend Giuseppe and his team to all of my friends, family and co-workers! Thank you so much Giuseppe for helping us find a home before our little bundle of joy arrives! Brittany Hooser, Dec 06, 2018
This house buying process was a daunting one for me, but John made an obvious effort to make sure it was as comfortable as possible and was very responsive via email and phone so that I could have every question answered. I walked into my closing appointment feeling relieved, confident, and excited about my new home. Kelly Nicole Pierson, Dec 05, 2018
How any question I had was answered so quickly. Timothy Page, Dec 05, 2018
helped explain all of the steps in an easy to understand manner Mark James Manning, Dec 05, 2018
Communication. That is what makes it so great. If we did not get it right we would get a phone call from all three of your specialists. Problem solved. It doesn't get any better when you have communication. Harry Michael Harrington, Dec 03, 2018
Personable, friendly and very knowledgeable. Matthew A Pols, Dec 01, 2018


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