Cook Brothers Mortgage Teamof Cornerstone First Mortgage, LLCNMLS #173855
About us

Meet the Cook Brothers Mortgage Team

We're Tanner and Zac Cook, brothers and licensed mortgage loan originators at Cornerstone First Mortgage, LLC (NMLS #173855). We specialize in self-employed and alternative-documentation home loans: bank statement, 1099, P&L, WVOE, asset-based, ITIN and foreign national loans.

Tanner Cook, Mortgage Loan OriginatorZac Cook, Mortgage Loan OriginatorTanner & Zac Cook NMLS #2090424 / #2111496Cornerstone First Mortgage, LLC NMLS #1738554.89 · 45 reviews of Tanner Cook on Experience.com
See if you qualify(469) 405-2690

Quick facts

Who we are
Tanner Cook (NMLS #2090424) and Zac Cook (NMLS #2111496), brothers and mortgage loan originators.
Lender
Cornerstone First Mortgage, LLC, NMLS #173855. NMLS record(opens in a new tab)
What we focus on
Home loans for business owners, 1099 contractors, freelancers and investors, documented with bank statements, 1099s, a P&L or assets instead of tax returns.
How we place loans
One application, underwritten in-house to the investor program your file fits, after we run it against that program's guidelines up front.
The team behind your file

Two licensed loan officers, one file

Tanner Cook, Mortgage Loan Originator

Tanner Cook

Mortgage Loan Originator

NMLS #2090424(NMLS Consumer Access, opens in a new tab)

  • Bank Statement Loans
  • 1099 & Self-Employed Lending
  • Complex Income Structuring

Tanner specializes in self-employed and alternative-documentation lending. When tax returns understate what a business owner really earns, he structures the file around bank statements, a CPA-prepared P&L, or assets — and matches it to the investor whose guidelines actually fit.

(469) 405-2690Tanner@cfmtg.comBook with Tanner(opens in a new tab)
Full profile and guides by Tanner
Zac Cook, Mortgage Loan Originator

Zac Cook

Mortgage Loan Originator

NMLS #2111496(NMLS Consumer Access, opens in a new tab)

  • Business Owner Mortgages
  • Asset-Based Qualification
  • ITIN & Foreign National

Zac works with entrepreneurs, investors, and international buyers. He checks every file against the non-QM programs Cornerstone can offer in the borrower’s state, looking for a guideline that fits — from asset-based qualification to ITIN and foreign national programs.

(480) 406-2016Zac@cfmtg.comBook with Zac(opens in a new tab)
Full profile and guides by Zac
What we specialize in

Loan programs for self-employed borrowers

Each program documents income a different way. We match your file to the one that fits how you earn.

Bank Statement LoansBusiness owners, sole proprietors, and 1099 earners whose tax returns understate real cash flow after write-offs.1099 Income LoansIndependent contractors, commissioned reps, and gig-economy earners who receive most of their income on 1099s.P&L-Only LoansEstablished business owners whose accountant already prepares financial statements and who want the simplest income document.3-Month Bank Statement + P&LSelf-employed buyers and homeowners who want to document income without gathering a year or two of statements, and who can get a P&L from a licensed tax professional.WVOE LoansSalaried or hourly employees whose employer will complete a verification form but who want to skip paystubs, W-2s, and returns.Asset-Based LoansRetirees, near-retirees, and asset-rich borrowers with substantial savings or investments but little documentable monthly income.Flexible QualifyingStrong-credit borrowers who cannot document income through traditional means or the standard alternative programs, buying or refinancing a primary or second home.ITIN LoansBorrowers who file taxes with an Individual Taxpayer Identification Number (ITIN) instead of a Social Security number.Foreign National LoansInternational investors and second-home buyers with no U.S. credit history, green card, or Social Security number.
Compare all loan programs
How we work

Retail-lender control, broker-level options

One application, 25+ investor programs underwritten in-house

We take one application and check it in-house against the guidelines of 25+ bank statement investors, so your file goes to a program that allows how you actually earn instead of one lender’s rulebook. We run your file against that program’s guidelines before it goes anywhere, so issues surface up front.

Working directly with underwriting

We work directly with Cornerstone’s underwriting team, so questions about your file get worked out with the people reviewing it.

You work with us directly

Tanner and Zac work every file themselves. You talk with your loan officers from first call to closing, not a call center.

Built for how you earn

Bank statements, 1099s, a P&L or assets. Your tax strategy shouldn’t cost you the house.

Licensing you can verify

Verify each of our licenses, and the states each of us is licensed in, on NMLS Consumer Access.

Equal Housing Opportunity

Cornerstone First Mortgage, LLC is an Equal Housing Opportunity Lender. State notices and program disclosures are on our Disclosures & Licensing page.

Reviews

Read reviews on independent sites

4.89 average from 45 reviews of Tanner Cook on Experience.comRead the reviews(opens in a new tab)Google reviewsSee what clients say about us on Google.Read Google reviews(opens in a new tab)

Where to start

Tools: Self-employed income calculator · Asset depletion calculator · Self-employed mortgage glossary

Talk to us about your file

Call, email or book a time with either of us. Or start with the two-minute qualifier.

Tanner Cook

Mortgage Loan Originator · NMLS #2090424

(469) 405-2690Tanner@cfmtg.comBook with Tanner(opens in a new tab)

Zac Cook

Mortgage Loan Originator · NMLS #2111496

(480) 406-2016Zac@cfmtg.comBook with Zac(opens in a new tab)
See if you qualify

Non-QM loan programs. Alternative income documentation required. All loans subject to underwriting approval, income/asset verification, and ability-to-repay determination. Not all applicants will qualify. Program availability and guidelines subject to change without notice.

CallSee If You Qualify