Ann Miller

Ann Miller

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

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

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

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

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

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.

Kind words from Ann's Clients

Ann's Team

About Ann

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