Tim@HLCTeam.com
909-260-5252
Tim Harrison
Buying a home or exploring a refinance? Connect with Tim to talk through your goals, ask questions, and explore your next steps.
Meet your loan officer
About Tim
Tim Harrison, Mortgage Branch Manager of Upland, combines his education, experience and expertise to help his clients fully understand the loan process. He aims to ease the minds of his clients as they navigate one of the most complex financial transactions they may ever experience, a home mortgage.
Tim credits the ethics learned from his family, coupled with his Business Finance degree, and minor in Real Estate Law, for his successful 23-year career. Tim has been involved in over 5000 successful closings with a combined total of $1.2 Billion dollars over his career. Tim's consistently high performance and commitment to excellence in all aspects of client service has led him to be ranked in the top one-percent of all loan officers nationwide by Origination News, as well as the Top 300 Originators in the Nation recognized by Scotsman Guide. He is also the co-author of the very informative, Straight Up Mortgage Talk. Tim textualizes his knowledge in the book and makes the complexities of the Mortgage Business easily accessible.
Tim was born and raised in the same community he now serves. He has earned the name, The Straight Up Mortgage Guy, through his passionate commitment to matching his clients with the proper home loan financing and for his straight-forward approach. As the loan process has become increasingly complicated, Tim's greatest strength is his ability to listen carefully to his clients and to identify best the right option in the wide array of home financing available. Customer service is his highest priority, as well as his commitment to the education and efficiency of his team.
Tim is also committed to helping his community through various acts of community service and to his wonderful family. Tim is proud to serve as a board member on The Claremont Chamber of Commerce, The University Terrace, and The Claremont Rotary which he has been nominated as president for 2014-2015. He also has past involvement as a Board member on the Claremont Community Foundation.
What clients say about Tim
I've had the great pleasure of working with Tim and Leslie on multiple occasions. Tim and Leslie have superior response times and customer service. They are readily available, knowledgable, and very communicative with every step of the process. I got a preapproval within a day from them with one client I had. Another time Leslie called me back within an hour to answer my questions related to loans. These guys are the greatest.
Highly experienced, dedicated, and professional service provided by the Team. I have nothing but praise for them from start to completion of the required processes of me purchasing my home. The team (Leslie) answered all questions, walked me through steps for better understanding. I will definitely recommend him and the company to others in need of lending services. Thanks and I am grateful for a job well done!!
Tim and his team are on another level. We had a 15 day escrow and were approved well ahead of schedule. His team are very responsive. Beyond that Tim helped beyond his duties, getting insurance, inspections, advise, contractors. When you go with someone with integrity and experience you get a lot more than just a loan. Tim is the most honest, helpful and straightforward person I've had the pleasure of working with.
The nicest people and so efficient. Answered all questions and was very helpful. Explained everything and was so easy to understand. I’d give 6 stars if I could.
Most Helpful. Friendly. Answered back immediately. Helped us succeed in buying! BIG THANK YOU!
The HLC Team, did a knockout job in getting our mortgage package completed in a professional, courteous and with the most favorable conditions possible. Leslie, our Chief Operator on our Loan was fantastic and deserves tremendous credit for his work on our behalf!
This is our 3rd experience with Cornerstone and it was great!!! Everyone in this group is awesome! We have recommended them and that experience was great as well! Everyone takes the time to return calls ,and was patient with our low tech challenges. Our new ADU is almost done!!!
We had a great experience with the HLC team. Very attentive, always on top of things. They made the entire process as smooth as we could hope for. Would absolutely choose them again! Tim has gone above and beyond for me several times over the years
Best in the business 💯 . As a first time home buyer I couldn’t have asked for a better home buying experience and that is because of Leslie and his team at Cornerstone! He was there for me every step of the way from discussing rates the moment I knew I would be looking. He was available, approachable and answered all the questions that came up. When it came time to get the rate I wanted after I made an offer, Leslie and his team not only got me the best rate, he got a rate better than I could have imagined!!! Beyond that, he was there for me every step until I closed escrow and was available even after when I had questions. The team at Cornerstone Lending are advocates for their clients and made my dream of owning a home come true! Home buying can be a nightmare but with Leslie , he will make sure you’re taking care of, help you navigate all issues that come up and make sure you’re never alone in the process!
We were very happy with Leslie, Tim, and the entire HLC Team in their assistance with our loan. They paid close attention to detail and were in constant contact with us every step of the way. Any concerns were handled immediately and all communication was friendly and easy. We would not hesitate to use them again in the future or to recommend them to friends.
We have used the HLC team at Cornerstone Lending for over 27 years. We have done four purchases and three refinances with them. They are absolutely the best! Tim is incredible and the entire team is knowledgeable, efficient, and helps you through every step of the way. Someone is always there to help with any questions, making calls or pointing you in the right direction. They truly make this stressful process a pleasure! They have impressed us with every transaction/loan and never disappointed!
Let’s connect
Contact Tim
Share a little about your plans and how to reach you.
Office locations
Suites 3 & 4
Upland, CA 91786
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 Tim today.
