I am Annmarie Calarco, a Relationship Loan Officer with Fremont Bank. I have been a loan officer for Fremont Bank for over 6 years now. I have been in the mortgage industry for 18 years, specializing in refinancing, new purchase loans and equity lines of credit. I was born and raised in the Bay Area and growing up, my family always used Fremont Bank for their mortgage needs. I learned early on the importance of a small community bank and how most people are drawn to Fremont Bank's no closing cost programs.