


Best Mortgage Lenders in Dallas TX
Jack Cooper Mortgage is one of the best mortgage lenders in Dallas, TX, helping people across the U.S. find the right home loan. With over 20 years of experience, Jack focuses on keeping the process simple, clear, and fast. Whether buying your first home, moving into a new one, or refinancing, you’ll get straightforward guidance and support from start to finish.
Our mortgage lenders in Dallas offer a wide range of loan options to meet different needs. This encompasses a wide range of loan types, including conventional, FHA, VA, bridge, jumbo, first-time buyer, and refinance loans. We also help with Down Payment Loans, Construction Loans, Portfolio Loans, USDA Loans, Rate and Term Refinance, and Cash-Out Refinance.
First Bank is an Equal Housing Lender and an FDIC member; Jack is a senior mortgage consultant. He firmly believes in establishing lasting connections with his clients by providing them the individualized care they need. If you want a direct mortgage process that doesn’t waste your time, Jack Cooper Mortgage is ready to help.

Our Mission
Our mission is to assist people and families in making informed decisions by offering mortgage loan services that are both straightforward and reputable. We aim to keep the loan process simple, fast, and focused on each client’s financial needs and goals.

Our Vision
To be a trusted mortgage service provider in Dallas, TX, known for honest guidance, strong support, and lasting client relationships. We aim to make homeownership less stressful and more easily available for individuals all around.
How Our Mortgage Lending Process Works
Our mortgage process is built to be clear and organized. Every step from your first inquiry to loan closing is explained and handled carefully. As reliable home loan experts in Dallas, TX, we start by learning about your financial goals, then match you with a loan that fits. You will know what to expect, which paperwork you require, and the length of each action. Whether you’re refinancing or a first-time buyer, we ensure everything runs on schedule and without incident.
- Review your needs and explain available loan options
- Collect required documents and begin the application process
- Submit the file for approval and handle lender communication
- Finalize details and close the loan with clear terms
What We Offer Through Our Mortgage Lending Services
We provide a whole spectrum of mortgage lending choices for buyers, homeowners, and investors alike. Each service is designed to match different financial situations and homeownership goals. Whether refinancing an existing house or purchasing your first one, we provide direct assistance and straightforward answers. As the leading mortgage brokers in Dallas, TX, we aim to help you move forward with a loan that fits your needs without added confusion or delays.
- Home loans for first-time and repeat homebuyers
- Refinance options to lower rates or access home equity
- Government-backed loans, including FHA, VA, and USDA programs
- Special loan types like jumbo, bridge, and construction loans
What We Offer
Home Purchase Loans
Home Refinance Loans
First Time Homebuyer Loans
Bridge Loans
Jumbo Home Loans
FHA Loans
VA Loans
Conventional Loans
Down Payment Loans
Construction Loans
Portfolio Loans
USDA Loans
Rate and Term Refinance
Cash-Out Refinance
Frequently Asked Questions
You’ll need things like pay stubs, tax returns, bank statements, and valid ID. Lenders use these to get a full picture of your financial health and make sure you’re ready for the responsibility of a mortgage.
It usually takes 30 to 60 days from start to finish—including application, review, and closing. Factors like your paperwork, loan type, or home appraisal can influence the timeline.
It varies by loan type. FHA loans may allow scores as low as 500 (with 10% down), while conventional loans often start at 620. We help match you with the loan that best fits your credit profile.
Yes, you can. Several programs are designed for buyers with lower credit scores. While they may come with higher interest or down payment requirements, we’ll help you find the best path to homeownership.

Why Choose Us

No Pushy Sales Talk
Some lenders push loans that aren’t a good fit. We don’t do that. We explain your options clearly and let you decide—no pressure, no confusing pitches—just honest conversations about what works for you.


Clear Fees, No Guesswork
Unexpected closing costs can wreck your budget. That won’t happen here. We break down every fee early in the process, so you know exactly what to expect—no fine print tricks, and no last-minute add-ons.
What Our Clients say
Karrie Gardenour2025-03-28Trustindex verifies that the original source of the review is Google. I highly recommend Jack! My husband and I decided to apply for a bridge loan and Jack helped us every step of the way. He is very knowledgeable, thorough, and patient. Jack was able to convey clearly the bridge loan process, detailed steps, and we were in our new home seamlessly. Thank you, Jack! Alex Hake2025-02-08Trustindex verifies that the original source of the review is Google. Jack made my first home purchase a smooth and quick process. From beginning to end, Jack stayed in communication with and kept me informed. He gave me multiple funding options and had valuable insight on the pros and cons of each. My fiancé and I were lucky to have him on our side! Mbuell212024-11-26Trustindex verifies that the original source of the review is Google. Jack worked tirelessly to ensure we got the funding for the home we fell in love with. We never worried about anything because we knew he was taking care of it. Jack communicated with us well every step of the way and explained things to us so we understood what we were getting in to. Teresa Biddick2024-11-06Trustindex verifies that the original source of the review is Google. Jack Cooper and First Bank definitely smoothed out the wrinkles during our recent home purchase. Our process began in late May, just as our area was hit with the destructive storms. His patience and flexibility supported our efforts during the extra-trying time. Then again in Oct as we refinanced, Jack once again was there to get us quickly through the process. Thanks again, Jack! Virginia Vanegas2024-08-17Trustindex verifies that the original source of the review is Google. It has been a 2 year journey for me to become a homeowner, if not longer. I want to thank Jack and Lisa both for taking the journey with me. Both were always readily available to answer questions and share resources that were always helpful. Couldn't have asked for a better team to be by side through it all! I can't thank you both enough for all that you did!! ~ Virginia Taylor Davila2024-07-20Trustindex verifies that the original source of the review is Google. We wouldn't be in our new home without Jack Cooper's help! He took care of everything and made buying a home so much easier! Barbara Carolina2024-06-19Trustindex verifies that the original source of the review is Google. I just closed on my home! Jack Cooper was awesome to work with. He was very knowledgeable about the mortgage industry and the different loan programs that were available. He was involved in my loan process from application to close! If I ever need a mortgage loan in the future, I would not hesitate to contact Jack Cooper. If you are looking for a mortgage loan, I would absolutely recommend Jack Cooper. Davis Cagle2024-05-22Trustindex verifies that the original source of the review is Google. Jack Cooper made the entire process extremely easy on my first home purchase. His pre-approval letter helped me beat out another buyer without having to increase my offer. Once we were under contract, he kept me up to date and locked my rate at the perfect time. I highly recommend working with Jack! Abu Siddeky2024-03-28Trustindex verifies that the original source of the review is Google. Jack Cooper is AWESOME ONE WORD! He helped me first time buy house. I can’t forget him forever!