Meet the Cook Brothers Mortgage Team
We are USDA home loan specialists at Cornerstone First Mortgage, LLC. We help first-time and moderate-income buyers across Texas and Arizona finance a home with no money down through the USDA Guaranteed Loan Program.
Zero-Down Homeownership, Done Right
Most buyers assume USDA loans are only for farms in the middle of nowhere. They are not. A large share of the towns and suburbs just outside the big metros in Texas and Arizona still qualify for the USDA Guaranteed Loan Program — which means eligible buyers can finance a home with no down payment at all.
The catch is that USDA has real rules: the property has to sit in an eligible area, and your household income has to fall at or below the county limit. Miss either one and the deal falls apart late. That is exactly where we come in.
As part of Cornerstone First Mortgage, LLC (NMLS #173855), we check your address on the USDA map, run the income-limit math, and tell you where you stand before you ever write an offer. No guessing, no wasted showings — just a clear path to a no-money-down close.
The Team
Two brothers who make USDA loans simple for Texas and Arizona buyers.
Tanner Cook
Mortgage Loan Originator
NMLS #2090424
Tanner specializes in zero-down government-backed loans for buyers outside the big-city core. He walks first-time buyers through USDA eligibility, income limits, and the map lookup so they know exactly where they stand before they ever make an offer.
Zac Cook
Mortgage Loan Originator
NMLS #2111496
Zac helps Texas and Arizona families finance homes in USDA-eligible towns and suburbs. He knows the income-limit math, the property-eligibility rules, and how to pair a USDA loan with the right structure so buyers keep cash in their pocket at closing.
What Sets Us Apart
USDA Is Our Specialty
We know the Section 502 Guaranteed program cold — property eligibility, the 115%-of-area-median income limits, and the guarantee fees — so you get a clear yes or no before you fall for a house.
Focused on Texas and Arizona
We work the USDA-eligible towns and suburbs across Texas and Arizona, where a surprising number of neighborhoods still qualify for no-money-down financing.
Straight Answers, No Surprises
You will know your real numbers — eligibility, monthly payment, and what you need at closing — up front. We would rather tell you the truth early than waste your time.
Backed by Cornerstone First Mortgage, LLC
The personal attention of a local team with the underwriting strength and program access of an established, fully licensed lender (NMLS #173855).
Don't take our word for it — read real reviews from our clients (4.92★ from 37 reviews):
Licensing & Compliance
We are fully licensed and you can verify every license below.
Cornerstone First Mortgage, LLC
NMLS #173855
Tanner Cook
Mortgage Loan Originator · NMLS #2090424
Zac Cook
Mortgage Loan Originator · NMLS #2111496
Equal Housing Opportunity
We are committed to providing equal access to housing and mortgage services in accordance with the Fair Housing Act.
Verify our licenses on the NMLS Consumer Access website — a free service of the Nationwide Multistate Licensing System. Full regulatory disclosures are on our disclosures page.
This website is not affiliated with, endorsed by, or sponsored by the U.S. Department of Agriculture or any government agency. USDA loans are subject to property, income, and credit eligibility requirements. Not all applicants will qualify. Information is for educational purposes and does not constitute a commitment to lend.
Ready to See If You Qualify?
Take our quick eligibility quiz, or run your numbers with our free USDA loan calculator. We'll tell you where you stand — no pressure.
Prefer to talk? Call Tanner at (480) 420-4918 or Zac at (480) 406-2016.