Hallmark Home Mortgage
Hallmark Home Mortgage
524 Mosher Street, Suite 400
Mount Pleasant, MI 48858
Telephone: (989) 773-3313
Fax: (989) 773-0349
Our lending Process
Application Overview
Congratulations on your decision to buy a home or refinance. For most people, homeownership represents the largest purchase and best investment you will make in your lifetime.
This page will help you understand our process and how our online features will streamline that process.
* Explore our site without obligation or disclosure of personal information.
* Use our online tools to find the loan amount and payment that's right for you.
* Free pre-approval. Apply securely online or contact one of our experienced loan
specialists to begin.
* All decisions are made in-house to ensure a rapid response time.
Our Quick and Easy 4 Step Application and Approval Process
1. Select a Mortgage Consultant
Begin by selecting one of our mortgage consultants or fill out our general contact form. Your mortgage consultant will help you determine which loan best suits your needs and will enroll you in the Nation's #1 Home Finding Service. Whether you are a first time homebuyer, or a seasoned veteran, Hallmark provides you with the full range of mortgage products at the most competitive rates available.
2. Complete Your Application for Free Pre-Approval
Pre-approval indicates that you have been approved for a set loan amount prior to property selection. Click here to view a list of documents that may be required to complete your application.
Simply fill out the quick and easy form online. Your information will go straight into our system. Your mortgage consultant will call you for authorization to obtain your credit report. After verifying the documents, the file goes to our in-house underwriters. All decisions are made at Hallmark. Local decision-making power allows us to give you an answer usually within 24 hours or less!
You will then receive a pre-approval letter to enhance your buying power. Your Realtor® will use that letter to negotiate the best deal for you.
3. Loan Processing and Closing
With the help of your Realtor® you have found your dream home, you have a signed contract with the seller, and now it’s time for us to arrange the property appraisal. Hallmark uses local appraisers which give you more accurate property data for your area.
Once final approval is issued, your closing will be scheduled.
A title company is typically selected by your real estate professional or the seller. The title company's job is to ensure clear title to your property and handle the closing of your loan. Your mortgage consultant will attend your closing to ensure an efficient, pleasant and ultimately rewarding experience.
4. The last step... Enjoy your new home!
At Hallmark Home Mortgage, we are here for you even after your closing. The greatest compliment we can receive is a referral to your family and friends, and we look forward to earning their business as well. We want to be your lending partner for life, so if you have any questions please feel free to stop in, call, or email us anytime!
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