Found the perfect home? We can help you find the perfect mortgage.

Buying a home is one of the biggest purchases most of us make. House hunting can be exciting and disappointing at the same time. Some people find the perfect home in three days, for others, it can take months.

We've seen it all. And we understand how you feel. Once you finally find the perfect home, let us help you quickly find the perfect mortgage.

A review of our Loan Programs appears on this website. Call or e-mail us and we'll develop a personalized quote.

Are you already living in your dream home? Maybe it can be even dreamier with a lower monthly mortgage payment! Refinancing could be the way to go. Check it out with our Refinance Mortgage Calculator.

Buying a home is a big investment. We can be there with you every step of the way. Our company has been in this business for a long time, and we invite you to put our experience and expertise to work for you.

Nancy Romfh
Loan Officer
First State Bank Central Texas
661 W Central Texas Expressway
Harker Heights, TX 76548
Office Phone: 254-953-3800
Fax: 254-690-1765
Cell Phone: 254-721-3260
NMLS #: 255934
FSBCT NMLS #: 717333
  • Enthusiasm working for you
    Helping people make one of their most important decisions is a serious responsibility, but something that I enjoy doing. This enthusiasm and hard work will benefit you and help reduce the stress and anxiety often associated with real estate transactions.
  • Established Credibility
    I have many years of experience and knowledge working in this industry. I can say with confidence that I'll get the job done right.
 
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