Jack Cooper Mortgage helps people across the U.S. with a wide range of home loan services. Whether buying your first home, moving into a new one, or looking to refinance, our top mortgage lenders in Plano, TX, are here to make the process simple and clear. We work with all types of buyers and homeowners, offering straightforward options, quick responses, and support every step of the way. As reliable mortgage lenders in Plano, we offer home purchase loans, refinance loans, first-time homebuyer loans, bridge loans, jumbo loans, FHA loans, VA loans, conventional loans, and more. We also help with down payments, construction loans, portfolio loans, USDA loans, rate and term refinance, and cash-out refinance.
Jack Cooper has over 20 years of mortgage lending experience and is a Senior Loan Officer at First Bank. As the leading mortgage service provider in Plano, TX, he gives honest advice and finds the best loan option for each person’s needs. Every client is treated with care, no matter how simple or complex. We don’t use a pushy approach. We take the time to listen, explain, and help you move forward with a loan that makes sense.
Our Mission
To be one of the best mortgage brokers in Plano, TX, and provide clear, reliable mortgage lending services that help people confidently buy or refinance homes. We focus on honest advice, simple steps, and loan options that fit real needs and budgets.
Our Vision
To be trusted home loan experts in Plano, TX, for homebuyers and homeowners across the country, known for clear communication, quick service, and long-term support through every stage of the home loan process.
We focus on clear communication, fast processing, and reliable support. Our mortgage procedure is meant to be straightforward and follow at every stage. Before we suggest a loan, we take the time to learn your demands, as every borrower has a unique financial condition. Our approach is based on transparency, steady communication, and staying available when you need us. Whether you’re a first-time buyer or refinancing your current home, we guide you with straightforward steps, honest answers, and a focus on getting things done without delays or confusion.
We believe clear lending starts with clear loan options. That means no vague terms, confusing offers, or last-minute surprises. Every loan we offer is fully explained—what it includes, how it works, and what it means for you. We focus on being direct so you always know what you’re signing up for. Whether buying a home or refinancing, we ensure you understand your choices without needing to read between the lines.
The pre-approval process can take a few hours to several days, depending on how quickly you submit the required documents and how complex your financial situation is.
Yes, obtaining a mortgage with a lower credit score is possible, though it may limit your loan options and result in higher interest rates. Some government-backed loans are designed to assist borrowers with less-than-perfect credit.
Pre-qualification is an initial assessment based on self-reported information, estimating how much you might borrow. Pre-approval involves a more thorough review, including a credit check, and provides a conditional commitment from a lender.
The recommended down payment varies by loan type. Conventional loans often require 5% to 20%, while some government-backed loans may allow for lower or zero down payments. Saving more can reduce your monthly payments and eliminate the need for mortgage insurance.
We don’t push loans that aren’t right for you. Some lenders care more about closing deals—we care about giving you real options. You’ll get honest feedback with zero pressure to rush into something you’re unsure about.
If a traditional bank turned you down, don’t worry. We look at a wider set of options and loan programs. Many of our clients come to us after others couldn’t help, and leave with real results.
