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.

Jeff is very knowledgeable about the loan process and guides you through it very skillfully. A pleasure to work with. Sean Riley, Feb 18, 2018
Na Kirsten Fallon, Feb 18, 2018
Team Davis made buying a new home incredibly easy. Not only was everyone extremely friendly, they were willing to do whatever it took to make it as hassle free as possible. They made the process of buying a home enjoyable, which is not the case for everybody. Thank you! William Nutting IV, Feb 18, 2018
only wish we could have closed faster Justin J Graf, Feb 17, 2018
Always kept in touch with me with any changes or concerns. Always made it known they were for me if I had any questions! Thank you so much for everything! Xennia Z Martinez, Feb 17, 2018
Very easy to work with and explained whole process very well an kept me up to date with everything. Everyone that worked with Kevin were great to work with as well. I would highly recommend Kevin and his team and hallmark Mark R Burns Jr, Feb 17, 2018
Giuseppe and his team make this process so easy and stress free. Cindy Sawyer, Feb 17, 2018
Kevin and the rest of the Hallmark team was just absolutely amazing! The process went so smoothly and I honestly could not be happier that we chose to go with them! I will for SURE be recommending them to anyone I know in need of a loan! So happy we decided to go with them :) Jessica N Silecchia, Feb 17, 2018
Kevin's team made things seamless and efficient, just what i needed with my busy schedule Christopher R McVicker, Feb 17, 2018
David is awesome! He has worked with me to purchase two homes. Each time he has worked at a pace that suited my family's needs. Tammie F Miller, Feb 17, 2018
Very helpful Terri P. Rifkind, Feb 16, 2018
There was constant communication with Pat and his team. It seemed that any question I asked was answered in a timely manner and with respect. I appreciate and value working with people that make me feel comfortable with anything I am doing. Pat and his team would be highly recommended by me. Angela Carey, Feb 16, 2018
Micheal was very friendly and helpful making a new experience very understandable. Corrina Wrobbel, Feb 15, 2018
Seth and his team at Hallmark were awesome! Very informative and helpful through the whole process. We are first time home buyers and would 100% use Seth and his team again. I would strongly recommend Hallmark to anyone interested in getting a mortgage. Brittany Smelko, Feb 15, 2018
If the assistant would have asked for all the information up front. Mary Wathen, Feb 14, 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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