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Central TX First Team,

5504 Bunny Trl #B206
Killeen TX, 76549 
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Annette M. Cobb

Vice President
Senior Loan Officer
NMLS# 405400
Email: Annette.Cobb@1stnb.com
Office:  254-518-0922
Mobile: 254-291-1236
Fax: 254-542-4430
107 W. Hwy. 190
Copperas Cove, TX 76522



Annette has more than 28 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 16 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 knows first-hand that purchasing a home can be challenging and riddled with uncertainties; however, she is confident that she can help put things into perspective no matter how overwhelming the information may be. Annette cares for the well-being of her clients and knows that the process of becoming a homeowner can be such a rewarding experience.

As a military wife, she understands the challenges families face during relocation. Annette and her husband, Arthur, purchased their first home with financing through First Community Mortgage, and a year later she joined the FCM team. 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. It is important to Annette to set the appropriate expectations and to be as forthcoming with homebuyers and possible. She is aware that challenges sometimes arise, but she relies on her expertise to keep things on track. She receives great satisfaction when clients obtain the Great American Dream — Their home!


About Annette:

For more than 16 years, Annette has been consistently active in her church and its auxiliaries, including the “Reach Out and Touch Ministry” which involves visiting and interacting with nursing home residents monthly. At one point in time, she was the point of contact and a supporter of families while their loved ones, including her husband, were deployed. She has been a firm supporter of the Family Readiness Group and was awarded the prestigious Commander of Public Service award, the Joan D' Arc Award and numerous certificates of appreciation from the military and civilian communities.

Annette’s husband Arthur honorably retired in 2007 after serving his country for over 26 years. The couple prides themselves on being movie buffs and they love experiencing fine dining at various restaurants. Annette also enjoys frequenting boutiques for unique accessory pieces, especially BLING!

Pre-Qualification Form Link: https://0453520529.mortgage-application.net/webApp/ShortApp.aspx?employeeid=74553&


Mortgage Application Form Link: https://0453520529.mortgage-application.net/WebApp/FullAppLogin.aspx?employeeid=74553&


Areas Serviced

Harker Heights
Copperas Cove
Leander Areas



Kathy Brinkley, CRS, e-Pro

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