About Us

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.

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.

Our Services

What We Offer

Home Purchase Loans

We help buyers secure the right loan to purchase a home. Whether it's your first or next property, we guide you through the loan process with straight answers and flexible options that meet your needs.

Home Refinance Loans

Refinancing might be right for you if you're looking to lower your rate, change loan terms, or get better monthly payments. We streamline the refinance procedure so you may evaluate your choices and decide wisely.

First Time Homebuyer Loans

Buying your first home doesn’t have to be overwhelming. We offer loan programs with features for first-time buyers, including lower down payments and easy-to-follow steps from start to finish.

Bridge Loans

Bridge loans offer short-term financing to help you buy a new home before selling your current one. It’s a practical solution for buyers who need quick access to funds during the transition.

Jumbo Home Loans

For higher-priced residences beyond conventional loan restrictions, jumbo loans offer flexible financing. We’ll walk you through eligibility, required documents, and repayment terms to ensure everything is handled smoothly.

FHA Loans

The government supports FHA loans, which can have fewer down payment options. Consumers with poor credit or little funds may be a suitable option.

VA Loans

VA loans are for eligible military members and veterans. These loans often require no down payment and offer competitive rates, making homeownership more affordable for those who have served.

Conventional Loans

The government does not guarantee traditional loans and has more flexible conditions. They’re ideal for borrowers with steady income and good credit who want straightforward options for buying or refinancing.

Down Payment Loans

If a down payment is a challenge, we offer loan options that can help. These programs are designed to assist with upfront costs so you can move forward with buying a home.

Construction Loans

Planning to build? Construction loans provide funds during the building phase. We’ll help you understand how it works, from initial disbursements to converting the loan when construction is complete.

Portfolio Loans

The lender keeps Portfolio loans in-house, allowing more flexibility with terms. These are useful for unique financial situations or non-standard properties that don’t meet conventional loan guidelines.

USDA Loans

USDA loans are for rural or suburban homebuyers and often offer zero down payment. These government-backed loans focus on making homeownership more accessible in certain areas.

Rate and Term Refinance

If you want to change your loan terms or rate, this refinance option can help. It’s focused on reducing monthly payments or shortening your loan period without cashing out equity.

Cash-Out Refinance

Get cash for other requirements, such as debt pay-off or house renovations, using the equity of your house. We will walk you through the procedure and explain what to expect from beginning to end.
Ask Questions

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.

 

How It Works

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.

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