Looking for a lender that will be honest with you, tell you all the facts about purchasing a home, and will educate you through the whole home buying process to ensure a stress free transaction? Chris and Hallmark do exactly that, and they guarantee it with their "Performance Guarantee." Chris was hired as an apprentice to learn the mortgage business from the inside. He spent a whole year processing loans for Hallmark and dedicated a lot of time to learning as much as he could. He submitted over 300 loans to Underwriters and worked with them directly. Now on the Loan Officer side of the business, Chris has the knowledge and confidence to be able to talk to all types of borrowers and provide them with the best possible financing tailored to their specific financial situation. Chris is also a certified Path2Buy Coach. Path2Buy is a unique program developed to help renters create a plan to own a home in the future whether it is 5 months to 5 years down the road. With Chris' help they will execute the plan and be able to own a home in the future. The plan consists of consolidating debt, saving for a down payment, and increasing credit scores just to name a few. Finally, Chris is a certified Xinnix Academy of Excellence Loan Originator. Chris spent 2 months studying in depth everything about the mortgage industry: mortgage basics, FHA, VA, and Conventional guidelines, appraisals, etc. This is a designation that less than 1% of the Loan Originators in the United States can be proud to say they have.