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.

Giuseppe and his team at Hallmark were extremely helpful and patient throughout a process that could have been very stressful. They were very transparent with us from the very beginning, and laid everything out so that it was easy to understand. We are first time home buyers, and I highly recommend Hallmark for anyone who wants a compassionate team to make the process easier and more enjoyable. We have nothing but great things to say, and we are so grateful for all of their help! Ariana Bryant, Oct 13, 2018
Giuseppe was accommodating to our schedule and very good at explaining every mortgage detail so we weren’t left with questions after our first meeting. Giuseppe’s team laid out all of the expenses in a total cost analysts so we didn’t have any surprises at closing. We actually closed on our house lower than expected, giving us more cash to spend on move improve projects. Samantha Eckard, Oct 13, 2018
Chris, Annie and the whole team were amazing. They made the whole process very enjoyable and they even saved me money as compared to other lenders. I 11/10 would recommend this team of professionals. Manuel William Rodriguez, Oct 13, 2018
This is not my first loan with Jacalyn. She is ALWAYS efficient, professional, knowledgable. She answers phone calls and e-mails immediately. She is very patient and explains everything thoroughly. I wouldn't think of using another lender. I will definitely recommend her to friends and family. Theresa DeLisle, Oct 10, 2018
The team did great. I would have liked more interaction from Guiseppe. Charles T Little, Oct 10, 2018
Giuseppe and his team were fantastic to work with throughout the entire process. He even made accommodations to meet with us after standard business hours which was a huge plus in our eyes. Giuseppe took the time to explain all of our options to help us understand the best loan for us. The closing process went smooth just as promised. Overall it was a great experience. Jake Eckard, Oct 10, 2018
Giuseppe and his team did an amazing job! Very thorough and on time if not early! We appreciate everything that they did for us! Made the house buying process that much better! Alyssa Holschuh, Oct 08, 2018
. Jason David Gutierrez, Oct 05, 2018
Chris Hauber at Hallmark Home Mortgage was awesome, detailed, efficient, patient, concerned and made our real estate purchase/mortgage loan personal. Chris had time for ALL of our questions and concerns. Chris went out of his way to help us with the real estate mortgage loan and closing to meet our needs. Kari Jean Richards, Oct 05, 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, Oct 05, 2018
Going into the homebuying process, we weren't sure what to expect. Jacalyn and her team were so great and efficient that I thought something more difficult was coming. By the time we went to closing, everything was taken care of and even the closing agent said how great everything was with Hallmark! Tristan R Siegel, Oct 05, 2018
Chris took care of getting everything we needed for a mortgage sorted. Michael Stephen Doty, Oct 05, 2018
Fast communication! Even when he wasn't in the office. Brent Herron, Oct 05, 2018
We have used Chris for several home buying transactions and have always been more than satisfied by his service, care, knowledge and attention to detail. Douglas W Maben, Oct 05, 2018
Jacalyn's communication was always on point. She and her team were always available and able to answer our questions quickly and effectively. Kathryn Marie Chapman, Oct 05, 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.