Your Award Winning Michiana Mortgage Team

My mission is to carefully guide my clients through the entire home loan process so they feel confident about the important financial decisions they are making.

Meet our amazing team

Liz will help our clients navigate the initial steps in the home purchase or refinance process. During this first step, Liz will help new borrowers start the preapproval process by collecting initial borrower information for the application.

Laura Smith

Licensed Transaction Manager – Contract to Closing Specialist

Once a borrower has a new contract on a home or they begin the refinance process, Laura will help our clients navigate the mortgage experience all the way to a successful loan closing. You can trust that Laura will never leave the borrower or our Realtor partners wondering what is happening. Laura also helps provide service after the loan closes. She ensures we provide unmatched communication you can count on.

Pre-approvals you can trust. Communication you can count on.

Hi. I’m Amy, a mortgage loan originator who works hard to make sure your pre-approval turns into home ownership.

My goal is to assist each customer in achieving their financial goals. I work to find the best mortgage product available using expertise gained in my 23 years in the mortgage industry. I have had experience working at a title company processing and closing real estate transactions, a local bank as a mortgage processor and closer, a construction loan manager and a mortgage loan originator.

Meet Amy Houk

Awards and Honors

2020 Hallmark Home Mortgage Hall Of Fame

2021 Hallmark Home Mortgage Presidents Club

2015 Women's Council of Realtors "Affiliate of the Year"

2018 Home Builders Association "Associate of the Year"

Top 5% Experience.com

Loan Products

Conventional

A traditional mortgage loan with fixed rates and a variety of term lengths.

Construction

We offer a number of programs to help with home construction. Apply today!

Bond Loans

We offer programs that assist homebuyers in Indiana and Michigan with making down payments and potential tax credits.

Doctor Loans

For Physicians, Residents, Ophthalmologists, and Veterinarians…We recognizes the special financial needs of physicians today.

FHA

FHA loan combines low rates, low down payment, and flexible lending guidelines to help homebuyers qualify for loans.

Toolbox Loans

We are your partner for renovation. Our Toolbox Mortgage is the solution for properties in need of remodeling updates.

USDA

Partnered with USDA Rural Development to provide 100% financing and the opportunity for individuals to purchase or build a home in rural areas.

VA

We help veterans, reservists, and active-duty personnel, as well as surviving spouses of veterans, apply for a Veteran's Administration loan.

What our clients say

Andrew B.
South Bend, IN
Apr/12/2025
"Amy is the absolute BEST. She was readily available for us, worked very closely with us with great communication, and always helped to have our best interest in mind. I’ve worked with around 5 mortgage loan partners, and Amy is the absolute best."
Diana B.
South Bend, IN
Apr/01/2025
"Being available throughout the whole process, to help with questions made this experience easier for us."
Melinda R.
South Bend, IN
Apr/01/2025
"At age 63, we were very nervous about buying our first house, but Amy allayed any fears or trepidations with a very thorough explanation on how the buying process works. We were truly blessed to have her part of the purchasing team. Well done , Amy!!! And thanks for the pineapple. Very tasty!"
Cristy H.
Mishawaka, IN
Mar/31/2025
"Shopping for a home mortgage can be very stressful! I had many companies saying they were working hard to get me the best deal and pressuring me but they were not. Amy never pressured me and in the end gave me the best interest rate than all the other companies that were not being honest. Amy is honest and trustworthy. She truly is looking out for you and keeps you informed throughout the entire process from beginning to end."
Cristy H.
Mishawaka, IN
Mar/30/2025
"Shopping for a home mortgage can be very stressful! I had many companies saying they were working hard to get me the best deal and pressuring me but they were not. Amy never pressured me and in the end gave me the best interest rate than all the other companies that were not being honest. Amy is honest and trustworthy. She truly is looking out for you and keeps you informed throughout the entire process from beginning to end."
James Z.
Lakeville, IN
Mar/25/2025
"Amy was very helpful and informative from the beginning. We had a tricky process but she guided us through it . We are very satisfied and will reach out if we need any mortgage lending assistance in the future."

Mortgage Calculator

Loan Calculator

Apply Today

Monthly Payment

$0.00

Total Interest Payable

$0.00

Total of Payments
(Principal + Interest)

$0.00

Principal Loan Amount

0

Total Interest

0

Contact Us

The Hallmark Difference

Hallmark Home Mortgage was built around people, the people who entrust us with the financing of their home and the people who work to ensure that financing is successful. Our experienced and dedicated professionals guarantee that Hallmark lives up to its name by providing unmatched quality and a long-standing tradition of service.

We strive to enrich the lives of our employees, as well, and value the time and talent they spend serving Hallmark’s customers and our greater communities.

Happy #MotivationalMonday, and this week is going to be a great one! Work hard and your dreams will become a reality. #HHM #YourCommunityLender #HallmarkHomeMortgage #eHome #hhmtv

2

5.0 star review received on Experience.com for Amy Houk by Samuel J R - Amy was fantastic! She was the first person we reached out to for our pre-approval, and it was immediately clear that we did not wish to work with anyone else for the remainder of the home buying process. Incredibly responsive, such a warm personality, and always willing to ease our nerves. She made finding our first home make sense, and if we ever decide to do it all over again in the future, we hope to have Amy there every step of the way!

9

When less is more, give us a call, and we will help you get into the perfect sized home for you. https://www.hallmarkhomemortgage.com/ #HHM #YourCommunityLender #HallmarkHomeMortgage #eHome #hhmtv #HomeMortgage #Mortgage #MortgageLender

Helping people find home 🏠

2

Our mortgage app eHome makes it easy to get a mortgage from wherever you are. Apply online today https://www.hallmarkhomemortgage.com/ or download our app from Google Play and the App Store. #HHM #YourCommunityLender #HallmarkHomeMortgage #eHome #hhmtv

3

We do not inherit the earth from our ancestors, we borrow it from our children. Happy Earth Day. #HHM #YourCommunityLender

1