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Tim Hawkes
Mortgage Branch Manager / Loan Officer

THawkes@HouseLoan.com

801-820-7620

Prequalify Now

Tim Hawkes

Mortgage Branch Manager / Loan Officer NMLS #8785

Buying a home or exploring a refinance? Connect with Tim to talk through your goals, ask questions, and explore your next steps.

Tim Hawkes
1725 East 1450 South
Suite 100
Clearfield, UT 84015

Meet your loan officer

About Tim

My goal is to get to know you and find the right loan for your needs. From our first conversation to closing day and beyond, you can expect a clearer, simpler, and more connected financing experience.

You deserve a mortgage professional who has your best interests at heart. That's exactly what you'll get here.

What clients say about Tim

See all 103 reviews

We just closed on our first home. Cornerstone was incredible, patient and worked really hard to help us reach our goal. We would refer them to anyone and everyone and will use them again in the future!

Brian Thomas
Source: Google | Jun 03, 2026
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Tim and Jake were absolutely amazing to work with when buying our home! As first time homebuyers we came in not really knowing how the process worked, at the very start it seemed overwhelming and we were confused with all the different terms and what it all really meant. They were so patient with us while answering our many many questions and explained everything in detail in a way that actually made sense, they helped us not feel so clueless or taken advantage of. They were always available when we reached out, responded in a very timely manner and were so great with updating us through the whole process. Along with all of that they were able to get us an incredible rate on our loan, far beyond better than any of the other comparison quotes we got. We are so grateful to have worked with Tim and Jake on buying our first home and will definitely be working with them again in the future! Highly recommend!

Kimberly Smith
Source: Google | May 02, 2026
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They were very helpful in refinancing our mortgage when interest rates dropped, working through each step and explaining clearly when we had questions.

Maria Farb
Source: Google | Apr 07, 2026
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I enjoyed working with Jake Peterson. I am a mobile notary and was able to assist him with a closing by traveling to the clients home and ensure they are able to sign documents in person. He was communicative, transparent and easy to work with. He clearly cares about the clients experience from start to finish and delivers a quality product to everyone he works with.

Rochelle Richards
Source: Google | Feb 17, 2026
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Tim Hawkes and Jake Peterson are a top-notch team! They jumped right in to my request for assistance on a home loan product even though we are in two very different states and economies. They very quickly assembled the information I asked for and suggested the best option for my situation. Upon my decision to proceed, their extended team performed minor miracles of long-distance communication and cooperation to complete the loan as expeditiously as possible. Choosing to work with Tim and Jake would be a very wise decision!

Doug Linthicum
Source: Google | Jan 27, 2026
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We were able to buy our home because of the great service and punctuality of the cornerstone lending team! We appreciate their patience working with us through the lending process!

Kevin Squires
Source: Google | Dec 31, 2025
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I recently purchased a home going through Cornerstone Home Lending and would absolutely recommend them to others. Both Tim Hawkes and Jacob Peterson were very patient with me as I was very slow throughout the whole process. They were helpful at the beginning in giving advice of how to prepare, helping me find a realtor, quick to help get me approved and finalizing the mortgage. They answered all of my many questions and ensured that I understood everything, took care of all the steps and made an overwhelming process much easier.

Katherine Erickson
Source: Google | Nov 05, 2025
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The Cornerstone Home Lending team has always taken care of us and treats us like family. I wouldn’t recommend anyone else to help with any mortgage needs. These guys are the best!

Riely Jensen
Source: Google | Sep 11, 2025
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We have financed several homes and properties with Cornerstone, Tim Hawkes, and his Associates. We’ve had several of our friends and kids do the same, at our recommendation. No surprises and extremely thorough and responsive work. We wouldn’t dream of going anywhere else. If you decide to go with someone else after this review, you’re literally throwing time and money away. HIGHLY recommended. :-)

Douglas Loveland
Source: Google | Sep 02, 2025
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I went through an experience where things went bad and we didnt get what we were asking for and tim and Jake completely took care of it for us. They went above and beyond and im so glad I reached out asking for help. These guys are awesome!

Janelle
Source: Google | Aug 13, 2025
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The whole team is amazing! Tim, Jake and Tyler always go above and beyond.

Jonny Mears
Source: Google | Jul 20, 2025
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It was a pleasure to work with Tim Hawkes and his whole team over at Cornerstone. It made the process of buying our first home very easy and less intimidating. Great communication and fast replies to any of the questions we’ve had. Also they recommend us to a great Realtor.

HC Delgadillo Hawkes
Source: Google | Mar 03, 2025
View review on Google

Full review

Let’s connect

Contact Tim

Share a little about your plans and how to reach you.

Phone icon Call 801-820-7620

Envelope icon THawkes@HouseLoan.com

Office locations

1725 East 1450 South
Suite 100
Clearfield, UT 84015

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.