I think one of the CC docs answered your question on this. Your heart rate sounds fine but it does sound like you are suffering from anxiety and often anxiety will find a physical issue to focus on. Then when we realise our heart is fine the anxiety moves on to another issue. Mention your anxiety to your doctor.
My blood pressure is good . And my heart rate doesnt really beat relly fast its more like it just gets very hard there have been cases when just lying down for about 2 minutes then standing could cause my heart to pound really hard
Your HR is what could be considered a healthy low, but never over 100? You said racing, so you consider a HR less than 100 to be racing? Many would disagree with that label.
How is your blood pressure? A low HR and low BP at the same time could cause some dizziness.
I do not see any relationship between stuffy nose and you description of your heart. I too suffer from chronic nasal congestion - does a nasal spray such as Afrin open you breathing?
In my case the congestion is mostly limited to time when I am very inactive, especially when sleeping, causing "dry mouth" discomfort when I awake.
If you haven't had a full physical exam in a "while" it could be worth the cost to get one and discuss your issues with a doctor.