The Tim Hawkes Team

The Tim Hawkes Team Tim Hawkes Team & Cornerstone Home Lending - NMLS 8785 We are a mortgage broker providing 30+ years in lending experience. We look forward to serving you.

We offer a variety of loans - Jumbo, Conventional, High Balance, FHA, VA, USDA, Renovation, HECM, Reverse Mortgages as well as Non Conforming Loans. Whether buying a home or refinancing, we offer a 15 day close on well qualified borrowers. We are experienced with down payment assistance programs for first time homebuyers as well as cash out and debt consolidation loans for the experienced homeowne

r. We can lend anywhere in Utah but enjoy meeting in person with those near us in Davis county, Weber county, and Salt Lake County. Our office is located on the border of Clearfield and Layton just off of 1-15.

12/20/2024

May your Christmas be as warm and comforting as a freshly baked batch of gingerbread cookies straight from the oven! Enjoy the sweetness of the season! 🎄

Tim Hawkes, NMLS 8785. Cornerstone Home Lending, a Division of Cornerstone Capital Bank, SSB. NMLS ID #2258 | MEMBER FDIC | EQUAL HOUSING LENDER

12/12/2024

Frosty fun and holiday cheer ⛄❄️ Let's make memories that melt our hearts.

Tim Hawkes, NMLS 8785. Cornerstone Home Lending, a Division of Cornerstone Capital Bank, SSB. NMLS ID #2258 | MEMBER FDIC | EQUAL HOUSING LENDER

12/05/2024

🎯 7 Renovations with the Biggest Return On Investment

Want to maximize your home's value? These are the top renovations for long-term gains! 💰🏡

1️⃣ Refinish Hardwood Floors

💸 Cost: $3,400 | 💡 Return: 147%

2️⃣ Convert Basement to Living Area

💸 Cost: $57,500 | 💡 Return: 86%

3️⃣ Upgrade Insulation

💸 Cost: $2,500 | 💡 Return: 100%

4️⃣ Replace Garage Door

💸 Cost: $2,000 | 💡 Return: 100%

5️⃣ New Roof Installation

💸 Cost: $12,000 | 💡 Return: 100%

6️⃣ Complete Kitchen Renovation

💸 Cost: $80,000 | 💡 Return: 75%

7️⃣ Renovate Bathroom

💸 Cost: $35,000 | 💡 Return: 71%

🔗 Learn more: houseloanblog.com/renoroi

✨ Ready to Renovate?

Contact our team today! 🛠️

Disclaimer: For educational purposes only. Source deemed reliable but not guaranteed.

Source: Remodeling Impact Report

Tim Hawkes, NMLS 8785. Cornerstone Home Lending, a Division of Cornerstone Capital Bank, SSB. NMLS ID #2258 | MEMBER FDIC | EQUAL HOUSING LENDER

12/03/2024

Just because you qualify for a certain amount doesn’t mean you need to stretch your
budget to the max! 🙌 It’s all about finding a payment plan that feels comfortable for
you, regardless of the dollar amount approved.

At Cornerstone, we have strategies to help you stick to your budget while still achieving your
homeownership dreams. Our loan officers are advocates for buyers, guiding you every
step of the way. Ready to find what works for you?

DM us to explore your options!



Tim Hawkes, NMLS 8785. Cornerstone Home Lending, a Division of Cornerstone Capital Bank, SSB. NMLS ID #2258 | MEMBER FDIC | EQUAL HOUSING LENDER

11/28/2024

As we gather around the table, let's not only be thankful for the feast, but for the love, laughter, and lives we share. Wishing you a joyful Thanksgiving overflowing with gratitude! 🍂🦃

Tim Hawkes, NMLS 8785. Cornerstone Home Lending, a Division of Cornerstone Capital Bank, SSB. NMLS ID #2258 | MEMBER FDIC | EQUAL HOUSING LENDER

📢 Attention homebuyers! Fall is shaping up to be the perfect time to find your dream home. 🏡 With fewer buyers in the ma...
11/26/2024

📢 Attention homebuyers! Fall is shaping up to be the perfect time to find your dream home. 🏡 With fewer buyers in the market, you could have less competition, more options to choose from, and more room to negotiate a better deal. 💪

Why wait until the new year homebuying rush? Now’s your chance to take advantage of the opportunities that come with the season. 🍂

DM us to learn more about why this could be the right time for your home purchase!

Tim Hawkes, NMLS 8785. Cornerstone Home Lending, a Division of Cornerstone Capital Bank, SSB. NMLS ID #2258 | MEMBER FDIC | EQUAL HOUSING LENDER

Buying your first home is exciting—but it’s okay if it feels a little intimidating too! 🏡✨ The good news? You don’t have...
11/22/2024

Buying your first home is exciting—but it’s okay if it feels a little intimidating too! 🏡✨ The good news? You don’t have to figure it all out on your own. We’re here to guide you and make each step feel doable. Here are a few basics to get you started:

✔️ Find a budget that feels right: We’ll help you set a price range that keeps you comfortable today and down the road.

✔️ Leave some room for the journey: Shopping below your max gives you flexibility for the unexpected, so you can feel confident and ready to bid.

✔️ Know your numbers without the stress: Not sure what payment is right for you? We’ll work with you to make sure it’s something you feel great about.

Have questions? Ready to dive in? DM us anytime! We are here to support, answer, and celebrate each milestone with you. Let’s make this journey one you’ll always remember. 🏠💙

Tim Hawkes, NMLS 8785. Cornerstone Home Lending, a Division of Cornerstone Capital Bank, SSB. NMLS ID #2258 | MEMBER FDIC | EQUAL HOUSING LENDER

Should You Pay Off Debt Before Buying a Home?This is a common question we hear, and the answer depends on your unique fi...
11/21/2024

Should You Pay Off Debt Before Buying a Home?
This is a common question we hear, and the answer depends on your unique financial situation. Paying off certain debts can improve your buying power, but it’s not always a one-size-fits-all solution.
For example, paying off a credit card might only slightly affect your debt-to-income ratio since it's calculated based on minimum payments. On the other hand, eliminating a fixed payment, like a car loan, could make a more significant difference in boosting your buying power.
We strongly recommend consulting your loan officer for personalized advice. They can help you evaluate your debt portfolio and provide an accurate picture of how paying off specific debts might impact your ability to buy a home.

Cornerstone Home Lending and/or its affiliates do not provide debt consolidation
services. Please contact a qualified professional for specific guidance.

Tim Hawkes, NMLS 8785. Cornerstone Home Lending, a Division of Cornerstone Capital Bank, SSB. NMLS ID #2258 | MEMBER FDIC | EQUAL HOUSING LENDER

11/16/2024

Don't let higher rates derail your homeownership dreams. 💭 Knowing your rate comfort zone helps you stay prepared in a shifting market, but even if current rates feel high, remember we have tools designed to help (like rate buydowns or adjustable-rate mortgages).

Knowledge is power! 💡 We're here to help you understand your options and find the right solution for your unique situation.

Source is deemed reliable but not guaranteed.

Tim Hawkes, NMLS 8785. Cornerstone Home Lending, a Division of Cornerstone Capital Bank, SSB. NMLS ID #2258 | MEMBER FDIC | EQUAL HOUSING LENDER

Address

1725 E 1450 S
Clearfield, UT
84015

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+18018207620

Website

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