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Nicky Tharpe -Central Texas Mortgages
Area Branch Manager
Nicky Tharpe, a reputable mortgage lender situated at 581 Pan American Dr, Harker Heights, Texas, offers customized financial solutions to suit your unique homeownership goals. With a team of experienced mortgage professionals, Nicky Tharpe... Show More
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Thanks to Nicky and her team. My buyers had a great experience and are looking forward to their new home. If you looking for a lender that can get a loan closed with good communication, competitive rates and meets closing deadlines with ease....
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Reply from Owner
September 9th, 2026 04:45 PM
Teresa, thank you so much for the kind words and for trusting me and my team with your buyers! It was a pleasure working alongside you to help get them to the closing table smoothly and on time. We’re so excited for them as they begin this...
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I can’t thank Benchmark, Nicky Tharpe and her team enough. I went into the home buying process with no idea where to start. Nicky took time out of her busy schedule to meet with me on video to explain everything to me in detail. She had created...
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Reply from Owner
September 9th, 2026 04:47 PM
Andrea, thank you so much for this incredibly kind review. It truly means the world to me and my team. Helping you understand the process, feel prepared, and get to the closing table with confidence was such an honor. You asked great questions,...
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The team made this process extremely convenient and easy to navigate. We never had a problem contacting them with questions or concerns. We got speedy replies every time. Our initial meeting gave us all the information that we needed and Mrs....
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Reply from Owner
September 9th, 2026 04:50 PM
Gloriann, thank you so much for your kind words and for trusting me and my team with your home financing. We’re so glad to hear the process felt convenient, easy to navigate, and well-communicated from start to finish. It was truly our pleasure...
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Savannah Waller and Sue DeBerry were absolutely wonderful and incredibly helpful throughout our lending process! They were both communicative, patient, and thorough in explaining each step and helping us understand what to expect. As first-time...
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Reply from Nicky Tharpe -Central Texas Mortgag...
November 2nd, 2026 06:04 PM
I'm glad to hear about your positive experience with our team, Madeline. It's wonderful to know that their support helped make your first homebuying journey with feel manageable and stress-free. If you have any more questions or need further...
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We had an excellent experience working with Benchmark throughout the entire home-buying process. From start to finish, everyone was professional, knowledgeable, and always willing to answer our questions. They made what could have been a stressful...
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Reply from Nicky Tharpe
November 2nd, 2026 06:06 PM
I'm pleased to hear about your wonderful experience, Devin, and I appreciate your recommendation. We are dedicated to providing professional and attentive service. If there’s anything further you need, feel free to reach out. Wishing you the...
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Nicky and her team are the absolute best! She is a true expert, with great communication! I would recommend her to anyone!
Reply from Owner
July 2nd, 2026 06:24 PM
Your review is appreciated, Laura! Nicky's expertise and communication are what set her team apart. Your recommendation means so much to us.
Working with Nicky Tharpe and her team was an excellent experience from start to finish. As a real estate agent, communication is one of the most important parts of any transaction, and Nicky’s team was on point every step of the way. They...
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Reply from Owner
July 2nd, 2026 06:24 PM
Thank you for your wonderful feedback, Caroline! Communication, timely closings, and happy clients define our mission. We look forward to working together again!
I was highly impressed with the hard work and dedication from the entire Benchmark team! Savannah Waller was extremely helpful throughout the buying process and made herself available to answer questions all hours of the day or night. I highly...
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Reply from Owner
June 17th, 2026 11:04 PM
Thank you so much for the wonderful review, Benjamin! We truly appreciate your kind words and are so glad you had a great experience with our team. Savannah is incredibly dedicated to her clients, and we're thrilled to hear she was able to...
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Nicky & Savannah are absolutely incredible. I love working deals with them. They are quick to respond, so easy to work with, explain everything in great detail. They know what they are doing… that’s for sure! Can’t wait to work with them again!!...
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Reply from Owner
June 17th, 2026 11:05 PM
Thank you so much for the kind words, Caroline! We truly appreciate your support and partnership. It is always a pleasure working with professionals like you, and we're so glad that our communication, responsiveness, and attention to detail...
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I had a very smooth and stress-free experience working with Savannah as my lender. She took the time to explain every step of the process, answered all of my questions thoroughly, and made sure I felt confident throughout the entire transaction....
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Reply from Owner
June 17th, 2026 11:03 PM
Thank you so much for your kind words! We’re thrilled to hear that Savannah made your homebuying experience smooth and stress-free. Taking the time to educate clients, answer questions, and provide clear communication throughout the loan process...
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About
Nicky Tharpe, a reputable mortgage lender situated at 581 Pan American Dr, Harker Heights, Texas, offers customized financial solutions to suit your unique homeownership goals. With a team of experienced mortgage professionals, Nicky Tharpe -Texas Mortgages understands that every borrower is different and strives to create tailored mortgage options that align with your financial capabilities. Let them guide you through the home financing journey, providing expert advice and personalized support every step of the way.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Down Payment Assistance
Conventional Home Loan
Medical Professional Mortgages
Non-QM
DSCR Loans
Cash-Out Refinances
Investor Mortgages
Bank Statement Loans
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Memberships
- NMLS
- Woman’s Council of Realtors
- Fort Hood Area Association of Realtors
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Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Year Started
2003
Time Zone
Central Standard Time (CST)
Licenses
- NMLS || 466819
Hobbies
- Cooking
- Reading
- Wine Tasting
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Disclaimer
All loans and collateral subject to approval | First National Bank Texas | NMLS# 402924 | Member FDIC | Equal Housing Lender