Utah Mortgage Lenders You Can Trust
Honest, Knowledge-Based
Home Lending.
Whether you're a first-time home buyer in Utah, a veteran, or refinancing — we compare rates from 100+ investors to find you the best mortgage. Serving Clearfield, Layton, Ogden, and all of Utah.
100+ Investors
Competitive rates for any situation
In-House Operations
Processing, underwriting & funding
Top Rated Team
Hundreds of satisfied Utah families
find your perfect fit
Loan Programs
Whether you're a first-time homebuyer, military veteran, or looking to refinance, we have a program tailored to your goals.
utah's #1 resource
FIRST-TIME HOME BUYER?
Buying your first home in Utah is easier than you think. We'll walk you through every step — from pre-qualification to closing day — and help you find grants and down payment assistance programs you may qualify for.
- FHA loans with as little as 3.5% down
- Utah grants up to $60,000 for qualified buyers
- Free first-time buyer affordability calculator
don't miss free money
DOWN PAYMENT ASSISTANCE
Utah has some of the best down payment assistance programs in the country. Grants, forgivable loans, and deferred second mortgages are available by city, county, and statewide — many with no repayment required.
- Clearfield, Layton, Ogden, Davis County programs
- Salt Lake City, Provo, West Jordan programs
- UHC statewide programs for all Utah buyers
Families Served
Years of Experience
Investor Partners
Star Rating
local mortgage experts you can trust
Your Utah Mortgage Team
The Tim Hawkes Team at Cornerstone Home Lending is one of Utah's top-rated mortgage teams with over 40 years of combined experience. Based near Hill Air Force Base in Clearfield, we specialize in first-time home buyer programs, VA loans for military families, and Utah down payment assistance.
Serving All of Utah
Layton, Clearfield, Ogden, Kaysville, Syracuse, Roy, Bountiful, and Farmington.
100+ Investor Partners
We shop your loan across 100+ investors to find the best rate and terms — not just one bank's offering.
what our clients say
Trusted by Utah Families
"Tim Hawkes and Jake Peterson are a top-notch team! They very quickly assembled the information I asked for and suggested the best option for my situation. 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
Google Review
"The Tim Hawkes Team is our absolute #1 preferred lender. We have a real estate brokerage and have been working with Tim and Jake for more than 5 years. They have never failed to give our clients the best service and care. Choosing an experienced and capable lender is CRITICAL when buying a home and these guys never cease to amaze us."
Julie Child
Google Review
"We have financed several homes and properties with Cornerstone, Tim Hawkes, and his Associates. 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
Google Review
"Tim Hawkes and Jake Peterson are a top-notch team! They very quickly assembled the information I asked for and suggested the best option for my situation. 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
Google Review
utah mortgage calculator
How Much House Can You Afford?
Use our quick Utah mortgage calculator to estimate your monthly payment. Want a full breakdown with taxes, insurance, PMI, and down payment assistance? Try our first-time buyer calculator for personalized results.
Quick Payment Estimate
Get a rough idea of your monthly mortgage payment.
Estimated Monthly Payment (P&I)
$2,528
Does not include taxes, insurance, or MI
let's get started
Ready to Buy or Refinance in Utah?
Get pre-qualified in minutes with a fast, secure online application. The Tim Hawkes Team at Cornerstone Home Lending serves all of Utah with competitive rates and honest advice.