Cornerstone Home Lending

Your Local Centerville Mortgage Experts

We help families in Centerville and across Davis County secure the best home loans, lowest rates, and down payment assistance.

Buying a Home in Centerville

Centerville offers the best of both worlds in Davis County — close enough to Salt Lake City for an easy commute, but with the small-town community feel that families love. Beautiful mountain trails are minutes from most neighborhoods.

Whether you're a first-time homebuyer looking to put down roots or a current resident looking to upgrade or refinance, The Tim Hawkes Team is your dedicated local mortgage partner. Because we're based right here in Davis County, we understand the local real estate market better than national online lenders. We know exactly which down payment assistance programs are available for Centerville properties, and we work closely with the best local Realtors to get your offers accepted.

Down Payment Assistance in Centerville

Centerville home buyers may qualify for multiple assistance programs that can be stacked together. Here are the programs available for Davis County properties:

Available Now

FHLB HELP

$20,000 forgivable

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Opening Soon

Davis County DPA

$50,000

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Available Now

UHC FirstHome

$27,500

Learn more →

Stack Your Assistance

Centerville buyers can combine multiple programs. Currently available programs total up to $47,500 in assistance. When all programs are open, total potential assistance reaches up to $97,500.

Check your eligibility now →

Popular Loan Programs in Centerville

From zero-down VA and USDA loans to low-down-payment FHA options, we'll match you with the best program for your situation.

VA Loans

Zero down payment for eligible veterans. Perfect for military families relocating to Hill AFB.

Learn about VA Loans →

FHA Loans

Only 3.5% down with flexible credit requirements. Ideal for many first-time buyers in Centerville.

Learn about FHA Loans →

USDA Loans

Zero down payment for eligible suburban and rural areas. Let us check if your Centerville address qualifies.

Learn about USDA Loans →

Frequently Asked Questions About Buying in Centerville

Get answers to common questions about home buying, down payment assistance, and mortgage options in Centerville, Utah.

How much down payment assistance is available in Centerville?
Centerville buyers can access up to $47,500 now through FHLB HELP ($20,000) and UHC FirstHome ($27,500). When the Davis County DPA ($50,000) reopens, combined assistance could reach $97,500.
What are the income limits for Centerville home buyers?
Davis County AMI limits apply. The FHLB HELP program uses 80% AMI (about $96,400 for a family of 4). UHC programs allow higher incomes. We can run your numbers in minutes.
Why should I choose a local lender in Centerville?
Centerville’s housing market moves fast. A local lender who can close quickly gives you a competitive edge. We process, underwrite, and fund in-house, which means faster closings and fewer surprises.

Ready to Buy in Centerville?

Get pre-approved in minutes. We'll help you find the right loan, maximize your down payment assistance, and close on your new Centerville home.

Start Your Application(801) 820-7620

Local Davis County Experts

National lenders don't understand the Utah market. We do. Get a quote from a local expert who cares about your family's financial future.

Start Your Application

Call your Centerville loan officer

(801) 820-7620

Quick Centerville Stats

  • CountyDavis County
  • Population18,000+
  • Median Price$550,000
  • DPA AvailableUp to $47,500

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