Ann Miller

Ann Miller

Senior Loan Officer

NMLS #1024037 | NH, ME, MA, FL, TX & VT

Phone (603) 758-1677

Cell (603) 397-8516

Kind words from Ann's Clients

Ann was amazing to work with! My husband and I purchased my mother in law's home recently and Ann's team worked so hard to expedite the home buying process. My mother in law was admitted to hospice and time was running out for her to sign the house over to us. This was a stressful time for us, but Ann and her team walked us through every step along the way. We would not be in our home without her.

Rachel Sims

My experience with Ann has exceeded what I could have ever hoped for ! Every step of the loan process was unexpectedly quick, smooth, efficient and stress free. She is so knowledgeable and eager to explain the process, answer any questions I had, and made me feel like I was her # 1 priority. Her responses to emails or texts were prompt and followed with a phone call to assure I completely understood what she was explaining and to see if I had additional questions, and this often included evenings and/or weekends. Talk about a strong work ethic! If I am in need of a Loan Officer in the future, Ann will be my one and only choice. Five star does not do Ann justice!

Gail Nadeau

Ann helped my wife and I in our first home buying experience while dealing with a family tragedy. She was knowledgeable, helped coordinate with other parties in the home buying process, but most of all was extremely empathetic. I would recommend her 1000%

Lee Sims

We worked with Ann and her team (Nicole and Cam) and they were great. I don't know how they pulled off getting everything done that they did but it was amazing to close so quickly and with not a single problem. Highly recommend them!

Tim Cardoza

Ann and her team are A+ and made the entire process great. They responded and acted on things timely and went above in beyond in helping make any bumps in the road get fixed. I couldn't recommend anyone else and will be using her again in the future if ever needed! Thanks, team!!

Matt W.

Working with Ann and her team at Blue Water has been a great experience. They are all very easy to communicate with and are willing to explain/answer any questions that come up in a timely manner. Ann even came to the actual signing, which I greatly appreciated. I would highly recommend them if you were buying a house and need a strong team to help navigate the confusing world of mortgages.

Michael R.

Ann and her team are fantastic to work with. She is so helpful, professional and guides you through each step of the home buying process with ease. We had a lot of questions, and she was calm, listened to our concerns, and provided so much support during our home search. I would highly recommend working with her!

Ian K.

Ann and her team are absolutely amazing! In such a competitive market, her responsiveness was quick, and she always made sure we had what we needed, even after hours, to keep us moving forward. Once we found our home, as first time home buyers Ann walked us through every stage of the process and answered all our questions, and had strategies to help us secure the best possible rate. We felt supported the whole way through, and it truly made the process so much less stressful. We’d highly recommend Ann and her team to anyone, they were a joy to work with and went above and beyond for us!

C. Pratt

Where do I begin? We had several ups and downs with this process. None of them the lenders fault. Just several bumps that naturally occurred. Ann held my hand, calmed my tears and bonded with me through this whole process. I cannot speak highly enough about her. I would work with her again on any project in a heartbeat.

Crystal Gaitan

Ann Miller made buying a first home such an easy going process! My boyfriend and I are over the moon happy with the service we got from Blue Water and Ann and her team! They made sure everything got done with ease and always answered emails in a prompt manner and Ann always made time to speak on the phone when needed. I would 1000% recommend her for any home buyers! Thank you Ann for a stress-free process!

Kelsey Stoddard

Searching for a home loan? I recommend you reach out to Ann Miller and her team at Blue Water Mortgage LLC. Their knowledge, attention to detail, and professionalism allowed my wife and I to find the right loan and meet all closing details on time. Ann and her team continued to update us on our progress from initial qualifying to final passing. They made the whole loan process easy and quick. I recommend you reach out to Ann and discuss your needs; you will be pleasantly surprised how easy it is to speak with her and her ability to listen and offer the right suggestions.

Frank & Linda Metcalffe

Ann Miller and her team earned my confidence right out of the gate! Their expertise, professionalism, and impressive work ethic set the stage for smooth processes and a speedy closing. I knew I was in good hands, and I highly recommend Blue Water Mortgage without reservation.

Karen Marie Scolforo

Simply OUTSTANDING! I have worked with many mortgage brokers over the course of my life and Ann Miller has been by far the best ever. She is honest, quick to respond to calls and emails, and was able to answer every question she was presented with. Without asking she provided an estimate of closing costs that showed all the expenses one would expect in purchasing a home. Ann also quickly revised these estimates based on differing scenarios that arose in our home-buying journey and did quickly on an as-needed basis. I could not rave enough about the service and guidance this true profession provided. I highly recommend Anne to anyone seeking a mortgage.

Bob Curtis

Bristol, NH

My wife and I recently relocated from Florida to New Hampshire. At the time, we needed to move fast, and paid cash for our home. Afterwards, we wanted to refinance and monetize some of the value. Ann did an amazing job of sourcing the correct loan and lender and more importantly, found the best rate. As a fiduciary financial advisor myself, I am thankful for her expertise and advice on locking in when rates were the best. I highly recommend her for your mortgage needs, especially those that involve unique circumstances.

Sean Koscho

Ann Miller was a delight to work with while buying our first home. She is knowledgeable, supportive, kind and very responsive! No question was too small, and she took time to make a personal connection with us during an overwhelming process. 10/10 recommend!

Justine Holleran

My wife and I worked with Ann Miller to purchase our first home, and we couldn't be happier! As first-time home buyers, we appreciated Ann's guidance throughout the process. We especially appreciated her help connecting with other professionals during the process, e.g., insurance agents and our realtors. I would recommend Ann to anyone looking to take their first plunge into home ownership!

Matthew Blanchard

I had an outstanding experience working with Ann Miller at Blue Water Mortgage. Her communication was exceptional—prompt, clear, and always keeping me informed every step of the way. Ann ensured our loan closed on time, and she went above and beyond to make the entire process seamless and stress-free. Her dedication and expertise are truly unmatched. I highly recommend Ann Miller and Blue Water Mortgage to anyone looking for a smooth and reliable mortgage experience!

Michael S.

I was lucky to find Ann Miller and Blue Water Mortgage when I began my loan search. My circumstances were not normal. Ann was diligent in finding a lender that would work with me. I encourage anyone to allow Ann an opportunity to earn your business.

Shawn S.

I had a super complex home closing, and Ann was there every step of the way. She fought for what was best for me and made sure the transaction stayed on track. She truly had my back and made sure the deal went as smooth as it could.

Griffin S.

Extremely helpful and made the whole experience so enjoyable and easy. Would definitely recommend. It’s nice to deal with someone who truly cares about her clients.

Jordan S.

We can't say enough great things about Ann Miller and the team at Blue Water Mortgage! As self-employed buyers, we knew getting a mortgage could be more complex—but Ann made the process feel effortless. She got us a clear to close in just FOUR days! Her communication was top-notch every step of the way, and her team was efficient, knowledgeable, and incredibly supportive. If you're looking for someone who knows their stuff and truly cares about getting you to the finish line, Ann is the one you want in your corner. Thank you, Ann!

Jenna C.

Ann's Team

Nicole Rust

Loan Processor

Katie Boyle

Loan Analyst

Tonia Schmidt

Loan Technician

About Ann

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Having over 20 years of experience in the mortgage industry, I’ve had the opportunity to work in every aspect of the loan process. This comprehensive background allows me to guide my clients with confidence and clarity through one of the most important financial decisions of their lives. I’m passionate about helping individuals and families achieve their financial goals and, ultimately, homeownership. With over 10 years at Blue Water Mortgage, I’m proud to be part of a team that values exceptional customer service, integrity, and an unwavering commitment to our clients.
When I’m not working, you’ll find me traveling, enjoying the outdoors, or spending quality time with my two children, Jackson and Samantha, and our black lab, Maggie.

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