Meet the Cook Brothers
VA loan specialists at Cornerstone First Mortgage. No lender overlays. We underwrite directly to VA guidelines — the way it should be.
Built for Veterans
Tanner and Zac Cook are VA loan specialists at Cornerstone First Mortgage. They specialize in helping veterans, active-duty service members, and military families access the VA home loan benefit they've earned.
Most lenders add "overlays" — extra restrictions on top of VA guidelines that make it harder to qualify. We don't. We underwrite directly to VA guidelines with no lender overlays, which means if the VA says you qualify, we say you qualify.
That difference matters. Veterans with credit scores below 620, those who've experienced bankruptcy or foreclosure, and those with complex income situations deserve a lender that works with them — not against them.
The Team
Two brothers, one mission — help veterans use their VA loan benefit to buy a home.
Tanner Cook
Mortgage Loan Originator — VA Specialist
NMLS #2090424
Tanner reviews every VA loan file against actual VA guidelines — not lender overlays. That precision keeps deals on track and helps veterans who've been turned down elsewhere get approved.
Zac Cook
Mortgage Loan Originator
NMLS #2111496
Zac makes the VA loan process clear and simple. He walks every veteran through their options so they know exactly what their payment will look like — no surprises, no hidden costs.
What Sets Us Apart
No Lender Overlays
We underwrite directly to VA guidelines. No extra credit score minimums, no added restrictions stacked on top of what the VA already asks for.
In-House VA Specialists
We don't dabble in VA loans. This is our specialty. We know VA guidelines inside and out — COE issues, funding fee exemptions, entitlement restoration.
Licensed Across Many States
Military families move. Cornerstone First Mortgage, LLC (NMLS #173855) holds licenses in many states, so a PCS often doesn't mean starting over with a new lender. Check the state you're buying in on our disclosures page or NMLS Consumer Access.
Backed by Cornerstone First
Cornerstone First Mortgage (NMLS #173855) has been in business since 2005. Our veterans get institutional reliability with personal service.
Licensing & Compliance
Cornerstone First Mortgage
NMLS #173855
Tanner Cook
NMLS #2090424
Zac Cook
NMLS #2111496
Equal Housing Opportunity
We are committed to providing equal access to housing and lending services.
Verify our licenses on the NMLS Consumer Access website.
Ready to Use Your VA Benefit?
See how much home you can afford with a VA loan — no overlays, no hidden restrictions.