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Annette M. Cobb - VP, Sr. Loan Officer | NMLS # 405400 in Copperas Cove, TX

Annette M. Cobb

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VP, Sr. Loan Officer | NMLS # 405400

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Annette has more than 30 years of business and customer service experience ranging from supervisory to management to financing. Since her family was stationed in Central Texas in 2000, Annette has worked in real estate, served as a Senior L... Show More
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  • Encompass
    T
    Tyrone A G
    Killeen, TX
    Posted on September 2nd, 2026 08:15 PM
    Annette and team patiently addressed my questions until I understood the topic clearlyand was comfortable.
    Reply from Annette M. Cobb
    September 2nd, 2026 08:24 PM
    Tyrone, thank you for sharing your experience. I'm grateful to know that my team and I could help you feel comfortable and informed. Your understanding is important to us. We are grateful we got to serve you and your family!! Think of me and...
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    Karen P L
    Belton, TX
    Posted on August 22nd, 2026 11:51 AM
    Team Cobb made what initially seemed like a daunting and scary process feel easy and even enjoyable. My husband and I were on the fence about buying a home and weren’t sure if it was truly the right move for us, but from the very beginning,...
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    Reply from Annette M. Cobb
    August 26th, 2026 04:18 AM
    Karen, this makes me and the Team incredibly happy beyond words! I'm so pleased to hear that you and Captain Brandon had a positive experience. You were just the most amazing on top of it clients we got to SERVE!! :) It's wonderful to know...
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  • Encompass
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    Anna R A
    Killeen, TX
    Posted on July 30th, 2026 07:35 PM
    warm welcoming, all our questions were answered, the all team was very helpful every time we needed them and they work very fast
    Reply from Annette M. Cobb
    July 31st, 2026 11:25 AM
    Thank you so much Anna! I'm grateful for your kind words. It's wonderful to know that you felt welcomed and found the team helpful and responsive. I know you and your beautiful family will enjoy your lovely home for years to come! Keep me in...
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  • Encompass
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    Delano R
    Killeen, TX
    Posted on July 3rd, 2026 12:46 PM
    Annette and her entire team made me feel like a MVP throughout the entire process. They took the time to explain every process. Very professional!
    Reply from Annette Cobb
    July 8th, 2026 08:29 PM
    Delano, I appreciate your kind words. I'm glad to hear that you felt valued and well-informed during the process. My team and I strive to provide a professional experience for every client.
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    Thomas E M
    Copperas Cove, TX
    Posted on June 27th, 2026 01:40 PM
    Very informative, kept us up to date, and quick service
    Reply from Annette M. Cobb
    July 1st, 2026 12:39 PM
    Thomas, I appreciate your feedback. I'm glad to hear that you found the ATEAM service informative and efficient. Keeping you informed and up to date is important to me. Thank you for choosing our service-AGAIN for your retirement home purchase!...
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  • Encompass
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    Porshia S M
    Harker Heights, TX
    Posted on June 7th, 2026 10:23 PM
    Ms. Cobb and her ATeam support staff were amazing. From first contact to the closing on our beautiful home. They were attentive, detailed oriented, and very professional. we will continue to be long time clients and hopefully good friends of...
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    Reply from Annette M. Cobb
    June 8th, 2026 09:06 PM
    Porshia, I appreciate your kind words about my ATeam and me. I'm so glad to hear that you had a positive experience from start to finish. Is always our Goal!! It's wonderful to have you as a long-time client, and I look forward to continuing...
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  • Encompass
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    Bailey A M
    Harker Heights, TX
    Posted on May 30th, 2026 01:15 PM
    This experience was great because we had Mrs. Cobb and her team guiding us every step of the way. They made the home buying process easy to understand, kept us informed, and were always available to answer our questions. What could have been...
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    Reply from Annette M. Cobb
    June 2nd, 2026 11:45 PM
    Bailey, I'm grateful for your kind words about my team and me. It's wonderful to know that we could make your home-buying process smooth and manageable. Keeping you informed and supported is our priority, so I'm happy to hear you felt well-guided...
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  • Encompass
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    Jasmine C
    Copperas Cove, TX
    Posted on May 14th, 2026 08:43 PM
    Overall great experience. Amazing communication and always available for any question we had.
    Reply from Annette M. Cobb
    May 19th, 2026 12:35 PM
    Jasmine, I appreciate your kind words and am glad to know you had a great experience. It's important that we provide clear communication and be available for any questions you might have. You guys were just amazing to serve and always on top...
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  • Encompass
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    Jungil J
    Harker Heights, TX
    Posted on April 1st, 2026 07:48 PM
    Everything
    Reply from Annette M. Cobb
    April 1st, 2026 09:11 PM
    Thank you for the excellent rating, Jungil. Happy to know my Team and I was “EVERYTHING” :)Happy to hear that I was able to meet your expectations. If you ever have more feedback or need assistance in the future, please feel free to reach out....
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  • Encompass
    S
    Sharon L J
    Harker Heights, TX
    Posted on March 27th, 2026 03:34 PM
    Annette and her team were so prompt, friendly, and helpful! Made the whole house buying process as stress-free as possible. Thank you so much!!
    Reply from Annette M. Cobb
    March 28th, 2026 12:39 AM
    I'm thankful for your kind words, Sharon. It's great to hear that my team and I could contribute to a smooth and stress-free home-buying process for you. Providing prompt and helpful service is important to me, and I'm glad this aligns with...
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    About
    Annette has more than 30 years of business and customer service experience ranging from supervisory to management to financing. Since her family was stationed in Central Texas in 2000, Annette has worked in real estate, served as a Senior Loan Processor, and currently resides as Vice President and Senior Loan Officer. She has worked more than 25+ years with First Community Mortgage and has gained an extensive knowledge on how to put clients at ease during the process of buying a home. Annette considers it an honor and a duty to be able to serve people in this capacity. She strives to keep the transaction simple and as stress-free as possible. She receives great satisfaction when clients obtain the Great American Dream-Their home!
    Products & Services
    Mortgage Loan Officer
    FHA Home Loan
    VA Home Loan
    Jumbo Home Loan
    Down Payment Assistance
    Conventional Home Loan
    Mortgage Refinance
    Non-QM
    DSCR Loans
    Specialities
    VA Loans
    FHA Loans
    Conventional Loans
    TEX VET Loans
    TSAHC Loans
    Refinance
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    Addresses and Serving Areas

    Year Started

    2001

    Time Zone

    Pacific Standard Time (PST)
    Licenses
    • NMLS # 405400
    Achievements
    • President Club Winner
    Hobbies
    • I Love FASHION!
    • Love Dancing!
    • Love Bling Bling!
    • View All
    Disclaimer
    All loans and collateral subject to approval | First National Bank Texas | NMLS# 402924 | Member FDIC | Equal Housing Lender