Annmarie Stern - San Ramon, California

sofia K.

Working with Annmarie Stern was a fantastic experience for me as a first-time home-buyer. She was available via text, phone or email and always got back to me right away. If ever I had questions (and there were many!) Annmarie was quick to respond and patient. If I didn't understand something the first time, she would explain it a different way until it made sense.

I’m so glad my realtor recommended Annmarie. She is especially good to know in this tough market because she works with multiple smaller banks and credit unions, which allowed her to get me consistently better rates than others could. Having those other lending options was a huge help.

Once, when I was worried about something, Annmarie reexamined the situation and had a wonderful solution. Even when I was an irritating ball of nerves, she did everything she could to make sure I was comfortable at all times.

I would definitely work with Annmarie again. I’m planning to reach out to her when it’s time to refinance, and I’d highly recommend her to friends and family in the Pleasant Hill area.

Suzie T.

I've known Annmarie for many years now. My sister and I both work in real estate and over the years we have referred many clients her way. Anyone we send has always been very impressed with her service. When it comes down to it, she gets the loan through, and that's what matters most. It's why I chose to use her for my own personal loans when buying.

When I used Annmarie for my own loan, what helped me the most was her thorough follow-up and how quickly she responds. She was always on top of things, especially when it comes to conditions from the underwriters. Annmarie is right there, making sure everything gets taken care of. Her turn around time is super quick! I've seen her close loans in as little as 15 days! She works hard for her clients, and that's why we (my clients and I) like her so much.

Annmarie consistently secures competitive rates, even in the most unpredictable market conditions. Her ability to find the best possible interest rates is like a super power!

I'll always recommend Annmarie to my clients, friends, and family. She's very friendly, gets along well with everyone, and most importantly, she doesn't stop until the loan closes. Honestly, Annmarie is one of the best - if not THE BEST - mortgage broker in the Orinda, CA area.

Kevin G.

I've worked with Annmarie Stern on two investment properties now, most recently a rental in Martinez, California about four years ago. My realtor introduced us originally.

I love that Annmarie treats you like family. When another lender on my Martinez property was being unreasonable and holding up the deal, Annmarie fought hard for me. She even told them they'd lose her business if they didn't make it work. That's the kind of dedication you want from your mortgage broker!

Annmarie is also incredibly responsive. I had her personal number, and she always got back to me within an hour whenever I needed something.
She worked to get me the best rate available at the time and managed to close the deal with only a slight delay, due to the other lender's issues. Annmarie has a knack for making things happen and I have to give accolades to her!

I've recommended Annmarie to friends and family, and I'll continue to do so. She'll be my first call for any future property purchases. With her extensive experience, industry connections, and commitment to her clients, Annmarie is exactly who you want in your corner for a major financial decision like buying a property.

Kimberly J.

Our experience working with Annmarie Stern was fantastic. This was my first time working with Annmarie, and she came highly recommended by my mother, who had a positive experience with her in the past. She was very helpful and knowledgeable. If we would have worked with anybody else, we probably wouldn't have had the opportunity to buy our home.

Annmarie is incredibly flexible and responsive, especially during crunch time. There were some changes that needed to be made, and she was able to make those changes immediately. Being able to adapt so quickly and efficiently was a lifesaver.

We were so lucky to secure a great interest rate just before rates started skyrocketing. Annmarie is very efficient and timely, given the rapidly changing market conditions. Annmarie exceeded our expectations and we closed on our jumbo loan in Novato, California, within three weeks.

Annmarie has become more than just our mortgage broker - she feels like part of the family. I've already referred her to my sister, who's looking for a place soon. Annmarie is a wonderful person to work with. I can't express enough gratitude for her service!

LEJ (.

Annmarie went above and beyond in securing the mortgage for our new home purchase in Dublin, CA. As a first-time client, it became clear why my financial advisor highly recommended her. She prioritizes the needs of her clients and diligently prepares everything in advance, ensuring a smooth application process.

The service we received from Annmarie was impeccable. Unlike previous lenders who required constant follow-up, she was on top of everything. Annmarie is not the type of mortgage broker who leaves you chasing for updates. Instead, she ensures that you are well-informed and updated throughout the entire process, as it should be.

Even after the mortgage was approved, Annmarie continued to follow up and showed genuine concern for our well-being. She wanted to know how everything was going with the move and if we were settling in okay.

Thanks to Annmarie's dedication and efforts, we were approved within a day, and we couldn't be happier with the outcome!

Rob M.

Annmarie Stern is the best mortgage broker out there - she's the real deal. She has helped me out tremendously, from the purchase of my property to guiding me through two refinances where I'm now locked in at an incredible rate. I couldn't be happier!

Her deep expertise of how mortgages work, really sets her apart. She really knows her stuff inside and out when it comes to loans and the housing market. Annmarie explains everything perfectly so it's easy to understand, even for a first-time buyer like myself when I purchased my home 8 years ago.

Back then, I was going through the process entirely on my own. Annmarie took me step-by-step through the paperwork, working with the realtor, everything. It was a godsend having her hold my hand and make it all so seamless.

Even now, Annmarie keeps me updated on when the market conditions are ideal for refinancing or taking out an equity line. You can count on her straightforward, honest advice.

Annmarie is knowledgeable but also genuinely cares about her clients' best interests. She's always just a call away whenever I have a question. At the mortgage signing, she stuck by me for hours explaining every document I signed. That's the level of dedication she provides.

I've referred friends to Annmarie who have equally raved about her securing them great rates. From what I've heard, nobody has had anything but amazing experiences working with her. Annmarie makes getting a loan or refinancing an incredibly smooth, easy process from start to finish.

Stefon G.

When my wife and I were buying our first home in Sacramento, a family friend referred us to Annmarie to obtain our mortgage. I'm glad I took their advice! Annmarie was very persistent, especially when interest rates were fluctuating. She locked in the best rate possible for us, and I could tell she had our best interests in mind.

I really liked how reliable and thorough Annmarie was throughout the whole process. She kept us informed about everything, from escrow to the appraisal and inspection. Whenever I had a question, she was always available to answer it or find out the information for me. She even went over the proposal twice.

My wife and I were truly grateful for her hard work. She made buying our first home so much less stressful. If I'm ever looking to buy again, I will definitely call Annmarie!

WILLIAM R.

As a realtor in the Bay Area, I've had nothing but success referring clients to Annmarie Stern over the past 5-6 years. She initially helped one of my buyers qualify and get an extremely difficult deal done. It was almost miraculous how she made it happen. Ever since then, Annmarie has been my go-to for referring mortgage needs.
With my background previously being in banking and mortgages before transitioning into real estate sales, I know the lending world well. Annmarie really understands the business inside and out. She can skillfully handle even the most complex loans that come across her desk.
What impresses me most is Annmarie's timeliness. When she says she can get a loan approved and funded in 2 weeks, 1 week, or whatever the timeline is, you can trust that she'll deliver on time.
Beyond just being knowledgeable and fast, Annmarie is also very personable and easy to work with. She's always available when you need her and genuinely cares about taking care of her clients and realtor partners