What’s the Right Solution for You?

No matter your situation, Hawkins Home Loans has a solution.

I’m purchasing
a house.

My mortgage payment
is too high.

I need to consolidate
debt.

My interest rates
are too high.

Our Products

No matter your situation, Hawkins Home Loans has a solution.

Home Buying

Whether you are purchasing your first home, dream home, or investment property, we can match you with the mortgage that makes the most sense for your homebuying situation.

Refinancing

If you would like to cut your monthly payments by switching to a loan with a lower interest rate, shorten your loan term by switching from a 30-year to 15-year mortgage, or switch from an adjustable-rate to a fixed-rate loan, a refinance would be the right move for you.

Don’t let a previous denial deter you

If you were previously denied a mortgage or weren’t pleased with the rate or terms you were offered before, we’ll find your best financing solution that meets your current needs.

Stated income mortgage

If you are a self-employed borrower who doesn’t have traditional documentation to prove your income, like employer pay stubs and tax returns, we offer stated income and bank statement loans that qualify borrowers through non-traditional methods.

Hawkins Home Loans is Quick and Easy.

We know that you don’t always want to talk to someone to
get a rate quote and costs.

Without complicated forms or speaking with aggressive sales people

Without damaging
your credit score

Prequalify Two Ways:

Answer few simple questions and we’ll quickly assess your situation and search for the best refinance options. Then we will match you to your best loan options.

No complicated forms.

Or speak with one of our highly trained specialists
Online

Thousands of Customers
& over $2.6 Billion in Funded Loans

PRE-QUALIFY FOR YOUR LOAN IN A COUPLE MINUTES

5 Reasons Why You Should

WORK WITH A LOAN OFFICER

Loan Officers are more familiar with the products they offer.

916.371.6300

Unlike banks that only provide their own loan products, Hawkins’ loan officers can present home buyers with many different loan options. More options mean more choices for you in terms of both rates and loan types.

Loan Officers are more familiar with the products they offer.

916.371.6300

We handle your entire loan process, from application to closing, all under the same roof. Your loan officer, processor, and underwriter are all in close contact, so if an issue arises, it can be handled seamlessly and quickly.

Loan Officers are more familiar with the products they offer.

916.371.6300

We regularly work with many different lenders, so we can foresee problems that may arise with certain ones, like not being able to close on time. Therefore, we can direct you accordingly to avoid potential problems.

Loan Officers are more familiar with the products they offer.

916.371.6300

When you take on a new mortgage with a lender, there are several fees involved. These include origination fees, application fees, and appraisal fees. Sometimes, we can get lenders to waive some or all of these fees, which can save you several thousands of dollars.

See what our HAPPY customers have to say

Reviewed by Peggy Bell

Lori and her team were phenomenal in all areas!! Loved our communication, loved the rate that we got locked, everything was sooo easy peasy!! All little challenges with swiftly navigated; I honestly can not say enough about how much I enjoyed having Lori and her team be my loan pros for my refi. I shopped around; and hands down she gave me the best deal I could have ever found! The best part is she is part of my awesome community, and it was great to work with that I know and admire in my community!

Reviewed by Peggy Bell

Reviewed by Linda Barney

Robin and her team handled my refinance professionally and quickly to get me a great interest rate and reduce my term. They made the refinance process easy and fast. I’d recommend Robin to new and existing buyers because she puts her clients first.

Reviewed by Linda Barney

Reviewed by Tony Thai

I initially worked with Lori and her team back in 2019 when I bought a house in Sacramento. I have since worked with her 3 additional times. The most recent was this week to refinance my personal residence with cash out for some improvements. Everyone on her team is great to work with. The team works with various lenders so they will find the lowest possible rate. For example, when I bought the house, the rate was 3.99%, I refinanced 1 year later with a 3.28% rate. I recently needed to refinance again with cash out and the rate is 3.136%. I highly recommended everyone who is process of buying a house or refinancing the mortgage to work with Lori Hawkins team. I definitely look forward to work with the team in the near future.

Reviewed by Tony Thai

I wanted to thank you guys for all of the work you put into getting my loan approved. I always hear about how stressful the loan process is for people, but I did not feel any of that stress in my first home buying experience, thanks to all of you. All of you were extremely professional, friendly, and honestly made it enjoyable. The closing and down payment assistance loans were unbelievable as well! The whole deal almost seemed too good to be true. Many of my friends have already come to me asking me how I bought a house since they will be looking to do the same in the next few years. I will make sure to convey to them that Hawkins Home Loans is their best option if they want a great chance of securing a loan for a home. I will also be looking to purchase more homes in the near future and will undoubtedly request your assistance again. Thank you all for your support throughout this process! Best,

Bryan Igboke

Susan (Auburn, CA)

This message is for Lori Hawkins. Lori, I want to express my gratitude for the outstanding loan service that your business provided. I was extremely pleased with Alexis. She provided me with the best customer service. She was quick, responsive and very pleasant to work with. I give this business a 5 star rating. Thank you Alexis and Team for getting me through the loan process at 2.5%. Most sincerely, The loan officer that I would like to recognize is Alexa Deloatch. Thank you

Susan (Auburn, CA)

Reviewed by karissatucker1

Lori was amazing to work with. She was on top of everything and extremely helpful thorough this home buying process! She helped us do a 21 day close. I would recommend her to any one wanting to purchase a home.

Reviewed by Erin MacIsaac

Reviewed by gotti916

I purchased a home and completed a refinance with Lori, and she and her team make the process seamless. I will definitely call Lori for my future loan needs!

Reviewed by gotti916

Reviewed by LaraKennerly

Lori and her team were extremely professional, informative, and friendly. They walked me through every step of the process and answered all my questions, got everything done faster than I had thought possible. So happy with my decision and the results! Would recommend to everyone!

Reviewed by LaraKennerly

Reviewed by emanuel maldonado

SUPER EASYsuper smooth transaction. Website for you to upload what you need. Lori almost knocked our APR in half. Also the price to refi was almost half of what we were charged on our last refi. Lori is so easy to work with. If you done a refi before you know how things can go.

Reviewed by emanuel maldonado

Reviewed by JasonCaine5

Lori and her provide world class service throughout the loan process. They were ready and willing to answer any questions throughout the process and provided daily updates.

Reviewed by JasonCaine5

Reviewed by user1182254

We have now completed two new loans and two refinances with Lori. She is always on top of her game, providing numerous options to help us determine what will best work for our situation. Lori is responsive, attentive, helpful, and patient. Thank you as always for your help and service, Lori! 2020 update: Lori is responsive, professional, and efficient. Our latest mortgage with Lori (a refinance) was remarkably easy to close.

Reviewed by user1182254

Reviewed by pbell786

Lori and her team were phenomenal in all areas!! Loved our communication, loved the rate that we got locked, everything was sooo easy peasy!! All little challenges with swiftly navigated; I honestly can not say enough about how much I enjoyed having Lori and her team be my loan pros for my refi. I shopped around; and hands down she gave me the best deal I could have ever found! The best part is she is part of my awesome community, and it was great to work with that I know and admire in my community!

Reviewed by pbell786

Reviewed by lesliedgordon456521

Lori and team answered all of our questions, got us the best possible rate, and were professional. We are very happy with their service and would not hesitate to use them again.

Reviewed by lesliedgordon456521
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