Although interest rates are on the rise, it's still a great time to purchase a home. Speak with one of our expert loan officers today!
Ann Miller

Ann Miller

Loan Officer
NMLS #1024037 | NH, ME, MA, FL & TX
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
I loved working with them and have used them for both of my mortgages. Courteous, efficient, and extremely competent. Ann was incredibly responsive and usually answered emails within the hour. She is smart and organized and helped me navigate the tons of paperwork required w relative ease. There was a situation that threatened my closing time and like some kind of mortgage, sleuth, super hero, she went way above and beyond to solve the problem. I really can’t say enough good things about Ann. I can’t imagine I would use anybody else!
Steve Kraunz
Ann and Jason were very helpful and patient during our first time home buying process. Nice group of people to work with.
Kaitlin Sconce
Ann and Chad were wonderful! Very professional! I'm a first time home buyer and they guided me through the entire process. I would definitely recommend Blue Water Mortgage to anyone buying a house!
Jeremy Denlea
Bluewater Mortgage took such good care of us during this process! As a busy family, this team (especially Jason Caruso and Ann) guided us through every step in the process. The went to bat for us and provided us with a better rate and lower cash at closing than we expected! Highest recommendation!
Leanne Boles
By far the smoothest mortgage process I've dealt with. Chad and Ann were great, asking for everything they needed and getting us to close in 30 days even as a self-employed individual which was incredible.
Brendan Sands
Chad and Ann made the process of buying our first home very simple. Everyone warned us that closing on a home for the first time was such a headache, but they made it seamless and painless during the entire process! From explaining everything in detail, to working with us to find the best rate, to closing with efficiency and ease, I would highly recommend them!
Melyssa Woods Ventresca
We typically use Chase when buying a home but went with Blue Water at the suggestion of our realtor and we couldn’t be happier! Chad and Ann are awesome to work with! They are both incredibly efficient, organized and patient. They take the time to make sure all questions are answered and explain everything thoroughly. They both have excellent communication skills, are super responsive and reach out in person or via email, whichever your preference. We would use them over and over! We felt like we were their only clients and part of a family! They made buying a home flawless and incredibly easy! We would recommend them to anyone interested in buying a home!
Erinn L
Ann and Jason Caruso were both quick with answers to all our queries. Their diligence and expertise--and patience--were crucial to getting everybody rowing in the same direction. Whether you're taking out your first mortgage or your tenth, Blue Water Mortgage is smooth sailing: calm seas and a steady hand on the tiller.
Joey E
Chad and Ann at Blue Water are the best there is! They were super knowledgeable and helped me get the financing I needed. They answered every panic email and phone call right away. Anyone looking for a mortgage broker needs to call them immediately!
Nicole Schwartz
This was my second mortgage loan with the company Chad and Ann were an amazing duo. Made the process so easy and stress free and they handle it from start to finish. If you are looking for first class service and being treated like family then blue water is the company!!! Thanks guys.
William Campbell
Chad and Ann made a horribly complex and intimidating process seem easy. Lots of moving parts, but the Blue Water team let us know what they needed from us and kept us on track to a successful closing. Thanks guys.
Satisfied Borrower
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

Ann's Team

Nicole Rust
Loan Processor
Cam Esty
Loan Analyst

About Ann

Ann is a truly dedicated loan officer. Each month she turns dreams of homeownership into reality for her clients!  She has two amazing children, Samantha, her adult daughter, who is a teacher at Pinkerton Academy and Jackson, her kindhearted, handsome son who keeps her running, active, and full of life!  She enjoys a multitude of activities including hiking, kayaking, running, boating with friends, concerts, traveling, and a bit of hunting as time allows.  In her heart she will always be a Texas girl, after spending many years living there prior to moving back to her home state of NH in 2014.  She is often referred to as “Texas” by many of her co-workers and friends.  Call Ann to make your dreams of homeownership a reality!!

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