Loan Products

Hallmark Home Mortgage offers a variety of home purchase and refinance products to meet the needs of every homebuyer and any homeowner who would like to leverage the equity they have in their home to achieve their financial goals.

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.