Meet the Cook Brothers
Tanner and Zac Cook are Texas down payment assistance specialists at Cornerstone First Mortgage. We help first-time and repeat buyers access TDHCA and TSAHC programs so they can buy a home with little to nothing out of pocket.
Built to Get Texans Into Homes
Most first-time buyers in Texas assume they need a big down payment saved up before they can even start looking. They don't. The state offers real down payment assistance — up to 5% of the loan amount, often more than $15,000 — through TDHCA and TSAHC. The problem is that most buyers never hear about it, and plenty of loan officers don't specialize in it.
That's the gap the Cook Brothers fill. As part of Cornerstone First Mortgage (NMLS #173855), Tanner and Zac focus on pairing down payment assistance with the right loan — FHA, VA, USDA, or conventional — so families across all 254 Texas counties can buy sooner than they thought possible.
In 2025 alone, TSAHC helped 9,554 Texas families access $85.6 million in down payment assistance. We help buyers figure out which of those programs they qualify for, handle the paperwork, and get to the closing table without the guesswork.
The Team
Two brothers, one focus — helping Texas families use down payment assistance to become homeowners.
Tanner Cook
Mortgage Loan Originator
NMLS #2090424
Tanner has helped over 100 Texas families get into their first homes using TDHCA and TSAHC down payment assistance. He is meticulous about matching each buyer to the right program so nothing gets missed and closings stay on schedule.
Zac Cook
Mortgage Loan Originator
NMLS #2111496
Zac works closely with veterans, teachers, and first responders to combine down payment assistance with the loan that fits their goals. He walks every client through their real numbers up front, so there are no surprises at the closing table.
What Sets Us Apart
DPA Specialists, Not Generalists
We live in the details of TDHCA and TSAHC guidelines every day. That focus means we spot the program that fits your situation instead of steering you to a one-size-fits-all loan.
All 254 Texas Counties
From Houston and Dallas-Fort Worth to San Antonio, Austin, and the smaller markets in between, we know how income and purchase-price limits shift county to county.
Straight Answers on Your Numbers
You will know what your down payment assistance, monthly payment, and out-of-pocket costs look like before you commit to anything. No surprises at closing.
Backed by Cornerstone First Mortgage
We bring the personal attention of a local team with the underwriting strength and program access of an established, fully licensed mortgage lender (NMLS #173855).
Don't take our word for it — read real reviews from Texas families:
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.
Texas Down Payment Assistance and the Cook Brothers Mortgage Team at Cornerstone First Mortgage are not affiliated with, endorsed by, or sponsored by TDHCA, TSAHC, or any state or federal government agency. Programs are subject to funding availability and eligibility requirements. Not all borrowers will qualify. Information is for educational purposes and does not constitute a commitment to lend.
Ready to See What You Qualify For?
Take our 60-second eligibility quiz, or run the numbers yourself with our free down payment assistance calculator.
Prefer to talk? Call Tanner at (469) 405-2690 or Zac at (469) 405-2690.