BHawkins@houseloan.com
910-352-3373
Ben Hawkins
Buying a home or exploring a refinance? Connect with Ben to talk through your goals, ask questions, and explore your next steps.
Meet your loan officer
About Ben
With 16 years experience as a loan officer, Ben's success comes from vast product knowledge and a focused, energetic spirit. A perfect combination of skills and attitude that make a home purchase a fast and pleasurable experience for those in Ben's care.
Ben has a heart for helping others through local church ministries and other advocacies in the Wilmington, NC area. Ben looks forward to helping make your home-buying experience fun and fulfilling.
What clients say about Ben
I cannot say enough great things about our experience with Ben! From start to finish, the entire process was smooth and stress-free. He was professional, knowledgeable, responsive and always available to answer our questions. He truly went above and beyond to make everything happen seamlessly. We couldn’t have asked for a better experience and would highly recommend them to anyone looking for a mortgage broker who genuinely cares about their clients!
Awesome. Ben did a great job.
Easy process
Best people ever. Best help ever. Would absolutely recommend to everyone I know. I had no clue what I was doing going in, and I didn’t need to. Helped every step of the way and did so with such great attention to detail. I had so many hiccups on my side and they found every single resource imaginable to help me get through it. Couldn’t be more grateful. Ben is absolutely incredible, couldn’t thank him enough.
This is our 4th time using Ben’s services on a mortgage- amazing, personalized experience as always. Thank you Ben and 10/10 recommend!!!
I am a single mother of three and all I wanted was to be able to buy a house to raise my kids in and have something to leave them when I pass. I reached out to Ben a couple of years ago and asked him for advice on how to make my dream a reality. At the beginning my credit wasn’t that good and Ben helped connect me with a credit repair company so that I could get my credit to where it needed to be. Ben has really gone above and beyond my expectations in the whole process of buying my first home. He was there for me through every step of the process no matter what time of day it was! Words can’t express how much I appreciate and am thankful to him for helping me achieve my dream!
During the whole process Ben and his team were on point, on time, very punctual. Their professionalism is hands down the best. Tbis was my first ho.e putchase and they made me feel like family. I highly recommend Ben and his Team for any of your home needs.
Words can not describe my experience with Ben and his team. He made it happen for me when i thought no one could. I woukd recommend him to everyone. On time and on point with everything. He is very up front with you and will answer any question you have. Highly Highly Recommended!!
So happy we picked Cross Country Mortgage and Ben Hawkins to work with through the process of buying property in North Carolina from our Indiana location. He and his associate, Harrison were extremely helpful in getting us through the process and answering all our questions. Always available when we called, and they know "their stuff"!! Call them if you want a stress free process.
I cannot say enough about how amazing Ben Hawkins and Harrison and their team at CC Mortgage are! They assisted me with my home mortgage process and spoiled me throughout the entire process. I had some obstacles to overcome and they coached me through them every step of the way. We got an amazing rate! I didn’t have to worry about a single thing beyond follow their direction and showing up at closing. Closing went super smoothly because CC had all of their (my) ducked in a row! 5 plus stars!! Thank you Ben and team!
We wanted to buy a rental using 3 different income sources as the down payment. Considering I'm self employed I knew this would be a Challenge. Ben had us follow his directions on how to get it through underwriting without a hitch. After sending in the usual required paperwork, it sailed through and got a clear to close 3 days ahead of schedule. The interest rate is actually lower than our primary mortgage. Which we will tackle next.
Ben Hawkins was very professional. He answered all my questions and seen that concerns were addressed. With his help I was able to get a better interest rate, take 5 years off my loan and drop my mortgage insurance . I was very pleased with the outcome.
Let’s connect
Contact Ben
Share a little about your plans and how to reach you.
Office locations
Suite 700
Houston, TX 77027
Mortgage insights
Helpful guidance for buying a home, financing your next move, and understanding your mortgage options.
Homebuying FAQs
Purchasing a home enables you to receive tax benefits while building equity that you can cash out in the future. Owning a home also gives you the opportunity to truly personalize your space.
Yes! Prequalifying first can help you save time and effort before you get too far into the process. You will know upfront how much home you can realistically afford. It also lets real estate agents and sellers know that you’re a serious buyer, which can be an advantage when making an offer.
Your lender will consider a number of factors when determining your maximum loan amount. Some of these include your debt-to-income ratio (how much of your monthly gross income goes toward paying debts), cash available for down payment and closing costs, and credit history.
Your loan officer will work with you to determine which loan product benefits you. They will review your current finances and future financial goals. Your loan officer will also consider factors like your target monthly mortgage payment and how long you plan to live in the home.
A fixed-rate mortgage has an interest rate and payment that stay the same over the life of the loan. With an adjustable-rate mortgage, the rate can either increase or decrease, based on market factors. The monthly payment can also go up or down based on the rate adjustment.
A conventional mortgage is a home loan that is not offered or secured by a government entity (like FHA or VA). Conventional mortgages typically conform to the loan limits set by the Federal Housing Finance Administration (FHFA) and are eligible for purchase by Fannie Mae and Freddie Mac (the two government-sponsored enterprises that guarantee the majority of mortgages in the U.S.).
Unlike government loans like FHA, VA, and USDA, conventional loans can be used for more property types (primary residences, second homes, and investment properties). In addition to the popular 30-year fixed conventional loan, there are also more choices for loan structure, including 15-year or 20-year terms and adjustable-rate mortgages.
Ready to find the loan that fits your life?
It starts with a conversation, not a commitment. Connect with Ben today.
