• Home
  • About
    • Leadership Team
    • Homebuying Process
    • Careers
  • Meet Our Team
  • Loan Products
  • Resources
    • Manage Account
    • Mortgage Calculator
    • eHome
    • Contact Us
    • Purchase
    • Refinance
    • New Construction
    • Homebuying 101
    • On Time Guarantee
Menu
  • Home
  • About
    • Leadership Team
    • Homebuying Process
    • Careers
  • Meet Our Team
  • Loan Products
  • Resources
    • Manage Account
    • Mortgage Calculator
    • eHome
    • Contact Us
    • Purchase
    • Refinance
    • New Construction
    • Homebuying 101
    • On Time Guarantee
Apply Now
[wd_asp id=5]
Apply Now
our process banner mobile image

be prepared for the

Homebuying process

We’ve put together this quick walkthrough of some key points along the journey to becoming a homeowner.

find your new neighborhood
1 Desktop svg
1 Mobile 1 svg

Spend some time researching different towns or neighborhoods you’re considering moving to. Think about what schools are nearby. Are there any parks around, or how long would your commute be? Are property taxes high where you want to live? All these questions can help narrow down which place suits you best – so get started on your list today!

2 Desktop svg

This is an essential second step. When you’re ready to start home shopping, contact your Hallmark Mortgage Loan Originator and get pre-approved. You’ll know how much you can afford before even looking at the listings! We will provide detailed information about what to expect from our loan terms so there are no surprises down the line.

3 Desktop svg

Discuss your financing options with your Mortgage Loan Originator.
Depending on your credit score, down payment, and other factors, you may qualify for more than one loan product. Your Mortgage Loan Originator will walk you through your financing options and help determine which one is right for you.

discuss financinG
4 Desktop svg
Find the right property. Hiring a REALTOR® is an excellent way to save time and money. Not only can they provide you with knowledge of different neighborhoods, but they also know how to negotiate the price with the seller.
hire a realtor
discuss financinG
3 Desktop svg

Discuss your financing options with your Mortgage Loan Originator.
Depending on your credit score, down payment, and other factors, you may qualify for more than one loan product. Your Mortgage Loan Originator will walk you through your financing options and help determine which one is right for you.

4 Desktop svg
Find the right property. Hiring a REALTOR® is an excellent way to save time and money. Not only can they provide you with knowledge of different neighborhoods, but they also know how to negotiate the price with the seller.
hire a realtor

04

hire a realtor

Find the right property. Hiring a REALTOR® is an excellent way to save time and money. Not only can they provide you with knowledge of different neighborhoods, but they also know how to negotiate the price with the seller.
5 Desktop svg
Get your offer accepted. Once your offer is accepted, Hallmark Home Mortgage is working hard to move you one step closer to closing on your home. Hallmark will order employment verifications, tax transcripts, and the appraisal to verify your home’s value. Hallmark’s underwriting team will verify your income and assets along with your debts. This team will also evaluate the appraisal to ensure your new home’s value aligns with your loan terms. Once your information and information regarding the home are validated, you’ll be ready to receive your closing disclosure.
6 Desktop svg

Arrange for a home inspection.
Taking the time to hire a professional home inspector will save future headaches and heartache. Even though Hallmark has your property appraised, it’s always a good idea to know the condition of your potential new home before committing to purchase. If any major problems are found during inspection you may be able to negotiate repairs or a repair allowance with the home’s seller.

review closing disclosure
7 Desktop svg
Get ready to close on your home’s financing.
Your Mortgage Loan Originator will meet with you and go over your Closing Disclosure. This document clearly states the actual cost of your home’s financing, money owed during the closing and any applicable conditions.
8 Desktop svg
The big day’s here!
Your closing is the last step before you’ll be a homeowner. You’ll sign your loan documents and present funds to cover your down payment and other costs, depending on the state you reside in. The process is now complete, and you can MOVE IN!
get your keys

Your mortgage

Apply Now

Find a loan expert

Manage your account

company

Contact us

Careers

lending options

Mortgage calculations

Mortgage basics

COMPLAINT AND LICENSING INFO

Complaints may be directed to Hallmark Home Mortgage at 855.249.7731 or an email may be sent to: complaints@1hallmark.com

Corporate NMLS:53441 | NMLS Consumer Access
Security & Privacy | Disclosures and Licenses

CORPORATE CONTACT

7421 Coldwater Road Fort Wayne, IN 46825
888.490.1428 | 260.469.0900

Hallmark Home Mortgage, LLC (NMLS # 53441) is an Equal Housing Lender. Hallmark Home Mortgage is not endorsed by any government agency. Reviews and comments have been submitted by customers voluntarily, are solely the views of such customers, and have been screened by Hallmark Mortgage LLC prior to publication in accordance with our guidelines. Customers were not compensated for their reviews/comments but were informed that the submittals may be used in Hallmark Mortgage LLC advertising. Hallmark Home Mortgage, LLC (NMLS # 53441) is not licensed to originate in all states. All rights reserved. NOTICE: All loans are subject to credit, underwriting, and property approval guidelines. Offered loan products may vary by state. There is no guarantee that all borrowers will qualify. This is not a commitment to lend nor an offer to enter into a rate lock agreement. Terms, conditions and programs are subject to change without notice. Certain limitations apply. Contact us for additional details. Not all offices are licensed in all states. Visit: https://www.hallmarkhomemortgage.com/disclosures for complete licensing information. Through UnitedHealthcare, UMR and HealthSCOPE Benefits creates and publishes the Machine-Readable Files on behalf of Hallmark Home Mortgage. To link to the Machine-Readable Files, please click on the URL provided: https://transparency-in-coverage.uhc.com

  • Home
  • About
    • Leadership Team
    • Homebuying Process
    • Careers
  • Meet Our Team
  • Loan Products
  • Resources
    • Manage Account
    • Mortgage Calculator
    • eHome
    • Contact Us
    • Purchase
    • Refinance
    • New Construction
    • Homebuying 101
    • On Time Guarantee