Introducing the Hallmark Homes Lender Incentive Buydown Program

We understand that buying a new home can be stressful and expensive. Hallmark Homes Homes lender incentive was created to help ease the increased expense. You can use the preferred lender on the following when you buy your Hallmark Home:

Closing Costs

This incentive can go towards covering closing costs, which are typically about 3-5% of your loan amount and are usually paid at closing.

Permanent Rate Buydown

Better known as paying discount points, you can use the incentive to cover the discount point cost to obtain a permanently lower interest rate for the term of your loan.

3/2/1 Buydown

In a 3/2/1 temporary buydown , the rate is buydown for the first three years of the mortgage loan For example , if a the note rate is 6.5%, then the rate is reduced to 3.5% for the first year, then 4.5% for the second year, then 5.5% for the second year and then remains at the note rate for the remaining life of the loan (years 4-30 rate increase to the original note rate).

Year 1


7.5% APR

THREE percent below preferred lender’s current market rate

Year 2


7.5% APR

TWO percent below preferred lender’s current market rate

Year 3


7.5% APR

ONE percent below preferred lender’s current market rate

Year 4-30


7.5% APR

Regular Locked Rate

Rates above used only as an example. Hallmark Homes Team will provide current market rates upon request. Want to learn more? Give us a call today.

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Legal terms:

30-year fixed interest rate provided by Security Home Mortgage, the preferred lender of Hallmark Homes. Interest rate is 8.125% as of 10/17/2023 & can change at any time without notice. Terms & Conditions are based on a conforming 30-year fixed, owner occupied home loan at a 20% or greater down payment with a credit score of at least 740. Terms & Conditions include a seller contribution as part of the preferred lender incentive paid by Hallmark Homes. The incentive is available on any new purchase contract as of September 19, 2023 & can change at any time at the seller’s discretion. Hallmark Homes is not a mortgage lender. Terms & conditions are subject to change. Interest rate is based on a 3.25% seller contribution at $21,000 (APR 6.942%).