Hallmark Financial

Utah & CA based mortgage broker since 1996. Here to provide the most superior experience possible for our clients. Owned by WrigleyvilleUte @jhallito

[Hallmark Financial @HallmarkFi]

When one of your childhood best friends finally moves back to the U.S. & buys his first home, helped out by another amazing HS friend, it’s a good day! #HallmarkFinancial #mortgagebroker #realtor

[Hallmark Financial @HallmarkFi]

This is an amazing option for first time buyers. More people should be going this route.

[PassiveAggressiveIncome @indexnforgetit]

Buying a duplex and living in once side while renting the other is an undefeated wealth building hack

- 3.5% down with FHA
- little or no mortgage payment
- ability to move and do again every year

Why aren’t more people doing this?

[Hallmark Financial @HallmarkFi]

@mortgagetruth This is so true. I’ve been talking about this a lot lately. Payment is driving a lot of buyers & that’s what they’re focusing on.

[Hallmark Financial @HallmarkFi]

Affordability is directly related to
Income
Price
Rate/payment
Debt to a certain extent
Unfortunately none of these have gone the direction we want in the 5-6 years. #HallmarkFinancial #MortgageBroker #Realtor

[Jon Brooks @jonbrooks]

Only 20% of people can afford to buy a home today

We had a 79% increase in income needed to buy a house in SIX years.

Wages increased only ~30%.

Mortgage rates from 3% to 6.5%.

This is why we have record low demand.
This is not rocket science.

[Hallmark Financial @HallmarkFi]

This might be the most unique & amazing home I’ve ever seen. Everything about this property is more than I could have imagined. The design, layout, features, views - simply spectacular 🔥#HallmarkFinancial #MortgageBroker #Realtor https://t.co/BuQfymtxxL

[Hallmark Financial @HallmarkFi]

@Seanfrank @Keith_Wasserman So you made something up that’s not factual & instead of owning it, just responded with that? Keith is right. Just admit you lied to push a narrative. If a rich guy wants to sell his $30M house, just another rich guy is buying it. Trading one for another

[Hallmark Financial @HallmarkFi]

@Barchart Yeah this is bad bad bad

[Hallmark Financial @HallmarkFi]

Come listen in on Tuesday as we share some tips on how to win more business. #HallmarkFinancial #MortgageBroker

[Hallmark Financial @HallmarkFi]

Incentives can really help out a buyer. But how you use those incentives matter. If you’re thinking about buying a home, let’s talk about your options. I’m here to help #HallmarkFinancial #MortgageBroker

[Hallmark Financial @HallmarkFi]

Talk about affordability!!! How about a FREE 1% rate reduction for your first year? If you’re thinking about buying a home at all, now is a great time to take advantage! #HallmarkFinancial #MortgageBroker #Realtor

[Hallmark Financial @HallmarkFi]

HOMEBUYERS! Current promo is I will cover your 1 year buydown on a new purchase locked in May or June!! A $600K FHA purchase gets you a principal & interest payment of just over $3,100 for the first year. Saving over $350 per month! Hit me up & let’s talk! #HallmarkFinancial

[Hallmark Financial @HallmarkFi]

My first listing goes live tomorrow. A fantastic home in an amazing area. #HallmarkFinancial #realtor
https://t.co/63Rv8GntMI

[Hallmark Financial @HallmarkFi]

I don’t see the point. Why would anyone need this? This should be for 10 families. 59 bathrooms really? So crazy. #HallmarkFinancial #mortgagebroker #realtor https://t.co/GFLQDJuqXM

[Hallmark Financial @HallmarkFi]

Whoa this is an industry shaker. Real is punching up here buying REMAX that is a global brand & significantly larger. Going to be interesting.

[HousingWire @HousingWire]

Real to acquire REMAX in $880M deal, forming Real REMAX Group https://t.co/3onldq9xWZ

[Hallmark Financial @HallmarkFi]

@simply_s4rah It's absolutely spectacular. Don't look at the price - but man that's amazing!

[Hallmark Financial @HallmarkFi]

Yeah I could defintiely get down with this! Gorgeous!!! https://t.co/EwRvAfvOZj

[Zillow Gone Wild 🏡 @zillowgonewild]

for only $22,500,000 you can get 1,328 acres with an over 12k sq ft home in Hamilton, MT and live out your Yellowstone dreams. The property has “substantial Skalkaho Creek frontage”, no conservation easement restrictions, fenced and cross fenced, outdoor riding arena, large horse barn, hay barn, equipment barns, greenhouse and more.

[Hallmark Financial @HallmarkFi]

THIS is the affordability crisis. This is just insanity. This can't continue. People can't afford this kind of housing spike. #HallmarkFinancial #MortgageBroker #Realtor

[Jon Brooks @jonbrooks]

The income needed to buy a typical U.S. home has increased 79% in just 6 years.

Let that sink in.

Wages didn’t rise 79%.
Productivity didn’t rise 79%.
The American dream just got 79% more expensive.

And people still wonder why housing demand is freezing.

[Hallmark Financial @HallmarkFi]

Very interesting data. I can't wait to see what this looks like in Q1 2027. Prices up in SLC, but down in San Diego. Not much change. #HallmarkFinancial #MortgageBroker #Realtor

[Ryan Lundquist @SacAppraiser]

The housing market isn't the same in every location. It's a good reminder that there isn't just one narrative that fits all markets. It's true in local markets also as the temperature might not be exactly the same for detached homes, condos, entry-level, high-end, etc...

[Hallmark Financial @HallmarkFi]

This is good news for Utah, bad news for places like California. Affordability is a real issue. Housing is the biggest driver, but other things make up a big part of it too. Find ways to save where you can. #HallmarkFinancial #MortgageBroker #Realtor

[Realtor.com @realtordotcom]

Here's where affordability got crushed after the pandemic.

Since 2019, the average American household now needs $15,400 more per year just to maintain the same standard of living, as gas, eggs, rent, and other essentials have surged, according to a new Common Sense Institute analysis. Today, the average household has about $2,170 in monthly discretionary income after taxes and essentials, but in the least affordable states, that drops to just $800. Housing is the biggest driver, consuming an average of 18.5% of income nationally, but ranging from 13.5% in the most affordable states to 28.8% in the least.

Read: https://t.co/PA0YVzLXYZ

[Hallmark Financial @HallmarkFi]

This is bad news for sellers, but good news for buyers. Less competition means greater chance for deals on homes. Let's talk about how to get you into that home. #HallmarkFinancial #MortgageBroker #Realtor

[NAR Research @NAR_Research]

NAR has measured first-time buyers annually since 1981 and data shows them at an all-time low: 21% of primary residence buyers, vs 40% before the Great Recession. The typical first-time buyer is now 40, underscoring today’s affordability and inventory challenges.

[Hallmark Financial @HallmarkFi]

Lower taxes help affordability. Just gotta get the prices & rates to cooperate. #HallmarkFinancial #MortgageBroker #Realtor

[Realtor.com @realtordotcom]

Property taxes rose nationwide in 2025, with the national effective rate climbing to 0.9%, the highest since 2020, according to ATTOM. The lowest effective rates are in Hawaii, Idaho, Wyoming, Arizona, and Alabama, with West Virginia posting the lowest average bill at $1,081.

Read: https://t.co/JOw1AL96AK