First Community Mortgage (FCM) opened its doors in 1988 as a division of First National Bank Texas. Since then, we have been working in tandem with our clients to turn their dream of buying a home into a reality. Formed with the mission to guide our customers, we aim at providing a mortgage loan that best fits their financial needs.
We are a full-service mortgage lender with loan processors, underwriters and a closing department—all under one roof to ensure a quick turnaround time. Whether customers want to purchase their first home, refinance their existing home, or are looking to purchase investment property, we stand ready, willing and able to assist them every step the way.
What We Offer: Choosing the right mortgage is an important decision, but it can be overwhelming. We offer a number of mortgage loan options such as Conventional Loans, VA Loans, FHA Loans, USDA Loans, loans under Texas Veterans Housing Assistance Program, etc. Borrowers can choose the mortgage loan type that best suits their needs. Borrowers can also get their loan refinanced with us.
Our staff members possess more than 25 years of experience in the mortgage lending industry; they are well-trained and attuned to the challenges many homeowners face. Moreover, our staff takes pride in providing a positive mortgage experience, educating our customers, and serving our community all while emphasizing exceptional customer service.
We have been servicing our clients residing all across Texas and Arizona to pave their way toward homeownership. Working with an aim to provide outstanding services to our clients, we believe in complete transparency and ethical representation. Also, we have been voted as Best Mortgage Company in Central Texas as per Reader’s Poll conducted by The Killeen Daily Herald in 2018, which illustrates our commitment toward the community.
Changes to the Property Value could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
You can change the property value by moving the Property Value slider up or down or by entering a new Property Value manually in the Property Value box.
When you change the Property Value, only the LTV will change, and the Loan Amount will remain the same Loan Amount.
Other advanced sliders’ options are available with Lendersa® Advanced Calculator
CloseChanges to the loan amount, even so slightly, could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
The Loan Amount Slider
Change the Loan Amount by moving the Loan Amount slider. (The LTV will change, and the Property Value will remain unchanged).
The LTV Slider
Change the Loan Amount by moving the LTV slider. (The Property Value will remain unchanged).
Other advanced options are available with Lendersa® Advanced Calculator
CloseLTV is the abbreviation of Loan To Value, and it is the ratio between the Loan Amount and the Property Value. The formula to calculate LTV is Loan Amount divided by the property value. 
Example: Loan Amount $300,000, Property value $400,000 
Changes to the LTV, even so slightly, could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
The Loan Amount Slider
Change the Loan Amount by moving the Loan Amount slider. (The LTV will change, and the Property Value will remain unchanged).
The LTV Slider
Change the Loan Amount by moving the LTV slider. (The Property Value will remain unchanged).
Other advanced options are available with Lendersa® Advanced Calculator
Close
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NMLS 1795154