Your   homeownership journey starts here

The mortgage process simplified.
Fast approvals, local experts, trusted results.

Smiling man in suit outdoors, representing financial services.
Zackry Cooper, a professional at Preferred Rate, showcasing confidence and success in financial solutions.
Beautiful modern craftsman house with landscaped front yard and double garage.
A stunning modern craftsman-style house featuring a landscaped front yard, large windows, and a spacious double garage.

NMLS: #285975

Zackry Alvis Cooper

Branch Manager/Sr. Mortgage Advisor

I am a passionate person and play at 100% in all areas of my life! I’m a husband 1st, father 2nd, and Team Leader 3rd. As Team Leader, it’s my job to play to people’s strengths. My goal is to create a “Client For Life” by offering exceptional service and creating “wow” moments with our referral partners and past clients. With 20+ years in mortgage lending and the lack of hair to show for it, I believe there is no such thing as over-communication. I like to stress the importance of “underpromising and over-delivering.” How can I “WOW” you today?

Licensed in:

CA

Why work with me?

5.0/5 Rating

164 reviews

Real clients. Real results.

Zackry Cooper and his team were a pleasure to work with! As first time home buyers, we had a lot questions in all of the stages of escrow. Zackry's team answered all of our questions in a timely manner and they were very easy to work with. They also made us feel comfortable every step of the way. Would love to work with them again in the future. Thank you Team Cooper!

Shant N

Zackry Cooper and his team were a pleasure to work with! As first time home buyers, we had a lot questions in all of the stages of escrow. Zackry's team answered all of our questions in a timely manner and they were very easy to work with. They also made us feel comfortable every step of the way. Would love to work with them again in the future. Thank you Team Cooper!

Shant N

Zackry Cooper and his team were a pleasure to work with! As first time home buyers, we had a lot questions in all of the stages of escrow. Zackry's team answered all of our questions in a timely manner and they were very easy to work with. They also made us feel comfortable every step of the way. Would love to work with them again in the future. Thank you Team Cooper!

Shant N

Zackry Cooper and his team were a pleasure to work with! As first time home buyers, we had a lot questions in all of the stages of escrow. Zackry's team answered all of our questions in a timely manner and they were very easy to work with. They also made us feel comfortable every step of the way. Would love to work with them again in the future. Thank you Team Cooper!

Shant N

Team Cooper made buying and financing our new home easy and pleasant.

Steve P

We have used Zack and his team several times in the past few years and wouldn't use anyone else when buying a home. They are extremely professional, providing a number of available options and easy to understand explanations on what works best for whatever situation you are in. They are also very responsive to any questions and regularly check in to make sure everything is on track through the entire process. Can't say enough good things about Team Cooper, will definitely continue to use them for any future home purchases.

Neil G

We have used Zack and his team several times in the past few years and wouldn't use anyone else when buying a home. They are extremely professional, providing a number of available options and easy to understand explanations on what works best for whatever situation you are in. They are also very responsive to any questions and regularly check in to make sure everything is on track through the entire process. Can't say enough good things about Team Cooper, will definitely continue to use them for any future home purchases.

Neil G

Zackary was amazing, increadibly happy with our consultation and highly recommend. He took the time to actively listen to my complex scenario and gave me straight forward answers and solutions that were clear and concise. Zackary came highly recommended and I can agree and do the same.

Zaira A

From the first meeting with Zackry Cooper it was clear that we were dealing with a genuine, caring individual that had our best interest at heart. What a breath of fresh air for this industry. He had a plethora of suggestions & alternatives for our difficult situation and helped us navigate through it. Top notch!

Lynn

My initial meeting with Zackry was great! He explained everything step by step and he was very knowledgeable. I’m excited to move forward with the next plan of action! Thanks again Zack!

Shamorra W

You guys are fun and great, love the Monday fun day questions

D d

You guys are fun and great, love the Monday fun day questions

diana d

The total experience was great and without a hitch. The loan process went very smoothly.

Ruena G

Excellent experience from start to finish! Literally the easiest home buying experience I’ve ever had!

Dina S

Best damn mortgage team. My mortgage was no cake walk. They were patient and extremely knowledgable on navigating my needs. I would definitely use them again!

Dessira T

Great to work with, Team Cooper madea daunting and overwhelming endeavor easy and smooth.

Annabelle C

Above and beyond in every way. I felt heard and appreciated through the entire process. There are so many good things to say, everyone I communicated with was amazing and made me feel valued as a client.

Elizabeth G

Working with Team Cooper has been great, they were quick and meticulous when we bought our new house and were the only people we wanted to call when it came time to refinance our old house. They were clear, quick and transparent with the whole process and I would highly recommend them to anyone looking for help with a mortgage.

Dustin L

Team Zackry Cooper is incredibly organized and efficient. They communicate well and explained every step of the process. We are very happy to recommend Team Cooper

Joshua P

If you want superior customer service at its best then Zackry and his team are who you would want to go to. Buying a house or refinancing can be a very stressful so it really makes a difference when you have great people helping you through the process. They really care about their clients and it shows in how they run their business. Zackry and his team are always available when you need them and are always happy to help. That’s a big win in my book and is one of the reasons why I will always go back to Zackry and his team!

Danielle G

Your company made the process of buying our home so easy. Our representatives, Mena and Blake were fantastic. Very communicative and kept the process moving along.

Barbara A

From the very beginning every team member we worked with was very helpful and responsive to my many questions. They made our process so smooth and we are thankful! We would definitely refer others!

Quaneice M

Your team was incredibly helpful and responsive throughout the entire process. As a first-time homebuyer, I didn’t really know what to expect in terms of how smoothly things would proceed to get our loan processed and approved. Your team made things effortless, and for that I’m grateful.

Serge A

It will be seamless if you have your ducks in a row. The team was very helpful and informative all the way through the process.

L. H

Zackry, Demi, and their team did a great job counseling and encouraging my family through our loan process. It was not the easiest of loans and they were great and diligent and got the job done. I highly recommend you reach out to them with any of your lending needs.

Jon L

Loan Programs

Spacious living room with comfortable seating, large windows, and stylish decor.
A bright, inviting living room featuring a blue sofa, wooden chairs, and a fireplace with logs, perfect for relaxing or entertaining.
DSCR Loans (Investment Loans)

Featured

Beautiful modern craftsman-style house with a landscaped front yard and garage.
A stunning craftsman-style home featuring a welcoming porch, modern design, and the 1% Home Loan Program.
1% Home Loan Program

Featured

Man using smartphone at home, exploring conventional loan options.
Man reviewing mortgage options on his phone in a cozy living room setting.
Conventional Loans

Featured

Comfortable living room featuring a fireplace, wall-mounted TV, and stylish decor for a welcoming ho.
A welcoming living room with a fireplace, wall-mounted TV, and elegant decor, ideal for relaxing and entertaining in a cozy home setting.
Down Payment Assistance (DPA)

Featured

Refinance Loan
Child on Veteran's shoulders with American flag, symbolizing VA loan benefits.
Supporting veterans and families with VA home loan options and resources.
VA Loans
USDA loan approval process for rural home financing.
A couple stands outside a new house, symbolizing rural homeownership with USDA loans.
USDA Loans
FHA loan approval process with Preferred Rate for homebuyers.
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FHA Loans
Beautiful blue house with landscaped yard, ideal for low down payment mortgage options.
Charming blue home surrounded by lush greenery, perfect for those seeking low down payment loan solutions.
Low Down Payment Loans
Beautiful house exterior with porch, windows, and landscaped yard.
A charming two-story house featuring a spacious front porch, large windows, and a well-maintained lawn, ideal for HELOC loan considerations.
HELOC Loans
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A smiling couple during a home renovation project, standing on stairs with construction supplies around them.
Home Renovation
Luxury home with a spacious driveway and well-maintained landscaping for jumbo loan financing.
Explore jumbo loan options for financing high-value homes like this beautiful property.
Jumbo Loans
Man using a laptop on a bean bag chair, promoting flexible bank statement loans.
Comfortable man working on a laptop at home, highlighting flexible bank statement loan options for homebuyers.
Bank Statement Loans
Construction financing solutions for building your dream home or project. Expert guidance for seamle.
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Construction Financing
Beautiful manufactured home with a welcoming porch and landscaped yard.
A charming manufactured home featuring a spacious porch and lush landscaping, ideal for comfortable living.
Manufactured Home Loans
Colorful Victorian-style condominiums with detailed architecture and lush greenery.
Beautiful Victorian-style condominiums with intricate details and vibrant colors, perfect for condominium loan options.
Condominium Loans
Healthcare professional loan options for doctors and medical staff. Secure funding to grow your medi.
Image of a smiling doctor holding a clipboard in a medical office setting. Perfect for promoting medical professional loan services.
Medical Professional Loans
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A nurse smiling while holding a tablet, highlighting loan options for first responders, teachers, and nurses.
First Responders | Nurses | Teacher Loans
Affordable community lending options for homebuyers.
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Community Lending
Buydown mortgage rates with temporary payment reductions.
Learn how temporary buydowns can lower your mortgage payments during the initial years of homeownership.
Temporary Buydowns
Modern two-story house with garage, ideal for bridge loan financing.
A contemporary two-story home with a spacious garage, perfect for real estate bridge loans and investment opportunities.
Bridge Loans
Expanded Income Loans for Home Improvements.
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Expanded Income Loans
Loan options for international clients seeking financial solutions.
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Loans for Foreign Nationals
Home loan options for quick approval and competitive rates.
Simplify your home buying process with Preferred Rate's SmartBuy program.
Click n’ Close SmartBuy National DPA
Expanded Credit Loans living room with modern furniture and cozy decor.
Comfortable living room featuring yellow armchairs, a fireplace, and a flat-screen TV, ideal for home improvement financing options.
Expanded Credit Loans
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Elderly couple discussing reverse mortgage benefits using a laptop at home.
Reverse Mortgages
Seller PreLock Program for homeowners to secure home sale options.
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Seller PreLock Program
Preferred Rate Pathway DPA Program interior design.
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Pathway DPA Program
Rhyze HELOC
Secure lock program for home safety and security.
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Secure Lock Program

Refinance With Purpose

Every refinance starts with a goal. Whether you want to lower your payment, shorten your term, or access equity, we’ll build a strategy around
what matters most to you.

Consolidate Debt

Simplify what you owe. Use your home’s equity to combine high-interest debt into one  payment.

Lower Payments

Improve monthly cash flow. Even a small rate adjustment can create  savings over time.

Get Cash Out

Access equity with intention. Turn your home’s value into funds for renovations, education, retirement, or financial goals.

Change to Fixed Rate

Stabilize your payment. Move from a variable rate to predictable payments built for long-term planning.

Refinance VA Loan

Use a VA refinance program to improve your terms, access cash, or reduce your monthly payment.

Discover your home’s value instantly.

Get a personalized home value report powered by real market data. Track equity, explore trends, and stay informed about your property and mortgage loan.

Home loan approval process with competitive rates at Preferred Rate. Secure your mortgage today with.
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Preferred Rate logo with financial graph and rate drop notification.
A logo for Preferred Rate featuring a financial graph and a notification about interest rate drops.

We'll watch the market for you

Set your target interest rate and we’ll notify you when it hits. No spam, just smart alerts.

Mortgage Loan Calculator

Estimate your monthly payment in seconds.

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Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regard to your individual circumstances. All examples are hypothetical and are for illustrative purposes.

Frequently asked
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next step?

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  • Competitive rates
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  • Easy process