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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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Reviews from Web
  • Encompass
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    Unique A J
    Killeen, TX
    Posted on October 30th, 2026 10:57 AM
    Mrs. Cobb was so kind and made sure she checked on me and let me know what was going on from day to day, update by update. She treated me like family and made sure that all of my questions and concerns were heard and gave me sound advice. I...
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    Reply from Annette M. Cobb
    October 30th, 2026 11:45 AM
    Unique, I'm so grateful for your kind words, truly made my day! :) It was just a delight to serve you and your family…Going on 26 yrs with the company and have purchased properties myself I truly understand this is a big deal for my clients…I...
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    Michael S R
    Killeen, TX
    Posted on October 22nd, 2026 10:16 AM
    Mrs Cobb,First off I want to say thank you to you and your amazing teams. The patience you both had for me during this process then the patience you guys showed with my kids meant the world. Second I want to apologize. I am very socially awkward...
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    Reply from Annette M. Cobb
    October 22nd, 2026 12:42 PM
    Michael, thank you for your heartfelt words. I'm truly pleased to hear how much you appreciated the patience and professionalism from both my team and I…Your family's well-being was so important to us, and I'm so happy we could support you...
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    Jorge G G
    Harker Heights, TX
    Posted on October 19th, 2026 08:07 PM
    Mrs Cobb was so easy to work with and show us everything involved with purchasing a home. Will definitely recommend her to others.
    Reply from Annette M. Cobb
    October 19th, 2026 08:45 PM
    I'm grateful for your recommendation, Jorge. It's wonderful to know that my team and I was able to make the home-buying process clear and easy for you. It was truly our delight serving you both!!Keep us in mind for referrals-We SERVE in all...
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    Denise W
    Broadway, NC
    Posted on October 18th, 2026 01:16 AM
    Great communication and understanding of my needs as a buyer.
    Reply from Annette M. Cobb
    October 19th, 2026 05:56 PM
    Denise, thank you for your kind words and to do a 4th transaction over the years-GRATEFUL! I'm pleased that my communication and understanding met your needs… My team and I always aim to make our clients Happy!!! Continue to keep us in mind...
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    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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    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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    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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    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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    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