Loan Products

First Time Homebuyers

  • 3.5% down payment option
  • Forgiving to those with imperfect credit
  • Financing for manufactured homes available
  • Homeowners with minimal equity can benefit from FHA refinancing
  • Hallmark offers programs through IHCDA, OHFA, and CHFA to help homebuyers realize their dreams.
  • USDA loans aren’t just for farm residences, we can help you determine if the property you want to purchase qualifies
  • No down payment
  • Competitive 30 year fixed rates
  • affordable guarantee fee
  • no mortgage insurance or prepayment penalty
  • 0% Down
  • Available to those who have served or are currently serving
  • Candidates must be qualified by the Veterans Administration

Builder / Construction Loans

  • Hallmark has developed a number of programs to help with home constructions. Apply today and one of our Mortgage Loan Originators will help you find the best loan option for you.
  • Backed by the government and given to buyers who want to buy a home in need of repairs to bring it back to a suitable condition
  • Minimum credit score of 620
  • Minimum down payment of 3.5%
  • Total rehabilitation cost must not exceed $35,000
  • Exclusive to Hallmark Home Mortgage
  • Allows for repairs, updates, and/or add-ons to turn a house you “like” into one you “love”
  • Available to anyone interested in purchasing or refinancing a home that is in need of renovations
  • Buyers are required to use a Hallmark approved renovation builder
  • Allows for 2-3 quick draws of renovation funds. All draws are handled locally
  • Offers financing on homes that need renovation and aids in stabilization of property values.

Specialty Loan Products

  • Available to those in the medical profession
  • 100% loan to value option
  • Higher loan amounts with flexible guidelines for borrowers who can demonstrate the ability to repay.
  • Jumbo loans are loans in the amount of $453,000 to $3.5M

Traditional Loan Products

  • 3.5% down payment option
  • Forgiving to those with imperfect credit
  • Financing for manufactured homes available
  • Homeowners with minimal equity can benefit from FHA refinancing
  • USDA loans aren’t just for farm residences, we can help you determine if the property you want to purchase qualifies
  • No down payment
  • Competitive 30 year fixed rates
  • affordable guarantee fee
  • no mortgage insurance or prepayment penalty
  • 0% Down
  • Available to those who have served or are currently serving
  • Candidates must be qualified by the Veterans Administration
  • Hallmark Home Mortgage offers traditional conventional mortgage loans with fixed rates and a variety of term lengths.