Our Story
We are the Cook Brothers Mortgage Team at Cornerstone First Mortgage (NMLS #173855), and we specialize in one thing: physician mortgage loans.
Medical professionals face a paradox that most lenders don't understand. You spend a decade building world-class expertise, graduate with six figures of student debt, then get turned away by conventional mortgage guidelines that weren't designed for your trajectory. We built our practice around solving that problem.
Whether you're an MD, DO, dentist, pharmacist, veterinarian, podiatrist, or CRNA, we help you access 100% financing up to $2,000,000 with no PMI — programs that recognize your earning potential instead of penalizing your student loan balance.
Licensed in 49 states, we work with medical professionals across the country — from residents accepting their first offer letter to attending physicians ready to upgrade. No matter where you are in your career, we'll find the right path to homeownership.
Meet the Team
Tanner Cook
Loan Officer | NMLS# 2090424
Tanner specializes in helping medical professionals navigate the unique challenges of buying a home. From residents with offer letters to established physicians looking to upgrade, he finds the right loan structure for every situation.
Zac Cook
Loan Officer | NMLS# 2111496
Zac focuses on making the physician loan process as efficient as possible. He works closely with dentists, veterinarians, CRNAs, and other medical professionals to structure loans that account for student debt and future income growth.
What Sets Us Apart
Our physician loan programs are built for the realities of a medical career.
Student Loan DTI Exclusion
Deferred student loans can be excluded from your debt-to-income calculation, dramatically increasing your purchasing power.
Offer Letters Accepted
Close on your home before you start your new position. We accept employment offer letters up to 150 days before your start date.
680 Minimum Credit
A credit score of 680 is all you need. No perfect credit required — we work with the realities of early-career medical professionals.
Licensed in 49 States
No matter where your career takes you, we can help. We're licensed in 49 states so your loan officer moves with you.
Licensing Information
Company
Cornerstone First Mortgage
NMLS# 173855
Tanner Cook
Loan Officer
NMLS# 2090424
Zac Cook
Loan Officer
NMLS# 2111496
For licensing information, visit the NMLS Consumer Access website. Cornerstone First Mortgage is an Equal Housing Lender. All loans are subject to credit approval. Programs, rates, terms, and conditions are subject to change without notice.
Equal Housing LenderReady to See If You Qualify?
Take our 2-minute qualifier quiz. No obligation, no hard credit pull — just a fast answer on your physician loan options.
Start Your Pre-QualificationTakes about 2 minutes. Free consultation included.