Sofia Kifle-Baker - OVM with AnnieMac Home Mo...
Mortgage Loan Originator II | NMLS# 823690
Sofia understands that purchasing or refinancing a home is one of the most significant financial decisions you'll ever make. This is why she is committed to guiding you every step of the way, ensuring you're informed and empowered throughou...... Show More
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Wed
9 AM to 5 PM
Thu
9 AM to 5 PM
Fri
9 AM to 5 PM
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Reviews from Web
The attention given to my individual situation and circumstance
I came to Sophia in a bind after unpleasant experience elsewhere in the middle of a transaction and needing a quick approval. She worked precisely, fluently and most imporantly urgently! Heaviliy recommend
I had an excellent experience working with my loan officer. She did an amazing job explaining every step of the process, answering all my questions, and ensuring everything went smoothly. I would highly recommend your services. I couldn't have...
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Reply from Sofia Kifle-Baker
May 14th, 2026 02:07 PM
Thank you, Sharetha, for your kind words. I'm glad to hear that you had an excellent experience, and I'm happy I could help explain the process and answer your questions. Your recommendation means a lot to me.
Easy process. Team is very efficient and professional
Reply from Sofia Kifle-Baker
April 21st, 2026 01:18 PM
I'm grateful for your feedback. It's nice to know that you found the process easy and the team efficient and professional. If there's anything else you need, feel free to reach out.
Sofia is THE best OVM Lender I have EVER worked with in my six years as an agent. Because of her, coupled with her professionalism, patience, due diligence and client education my client made it to the closing table and she is definitely my...
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Reply from Sofia Kifle-Baker
April 20th, 2026 03:47 PM
Thank you for the 5-Star review. If you need anything, feel free to give us a call.
Sofia is very efficient always well organized and keeps me up to date on where my clients are throughout every transaction. She continues to remain professional at all times giving my clients a 5 star experience.
Reply from Sofia Kifle-Baker
April 16th, 2026 05:31 PM
I enjoyed working with you. Thanks for the great feedback.
I have worked alongside Sofia for several years now and she is absolutely fantastic. She knows the best products to offer my clients and guides them through the loan process w/ ease. Many of them tell me that they did not know that the home...
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Reply from Sofia Kifle-Baker
April 8th, 2026 06:26 PM
I enjoyed working with you. Thanks for the great feedback.
Ms.Sophia was very professional and knowledgeable. She went far and beyond of what the process intales and mad sure that I received grants to lower my closing costs.
Reply from Sofia Kifle-Baker
April 6th, 2026 08:09 PM
Thank you, Rosalind, for sharing your experience. I'm pleased to hear that you found my assistance and knowledge helpful throughout the process. It was my goal to ensure you had access to grants and received the support needed for your closing...
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Sofia was exceptional to work with! She went above and beyond for us, and was always there to answer any questions we had.
Sofia was very helpful, and detailed in explaining every step to me and my wife. She made my wife feel very happy for getting her dream home “single family house “.
Thank you Sofia and Bay Atlantic for making our dreams come true!
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About
Sofia understands that purchasing or refinancing a home is one of the most significant financial decisions you'll ever make. This is why she is committed to guiding you every step of the way, ensuring you're informed and empowered throughout the process. With a comprehensive background in various mortgage lending facets, Sofia is equipped to assist with diverse needs—whether you're a first-time homebuyer, seeking a new home, or exploring refinancing options. Specializing in Conventional, Jumbo, FHA, VA, USDA, and Renovation loans, her goal is to find not just any loan, but the perfect one for you.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Specialities
Conventional
FHA
USDA
VA Loans
Jumbo
Non-QM
Cash Offers
Renovation 203k
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117
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Year Started
2011
Time Zone
Pacific Standard Time (PST)
Disclaimer
©2026 American Neighborhood Mortgage Acceptance Company LLC (dba OVM with AnnieMac Home Mortgage). Corporate NMLS# 338923 (http://www.nmlsconsumeraccess.org/). OVM with AnnieMac Home Mortgage is an Equal Housing Opportunity. For a complete list of our licensed states visit: https://ovmfinancial.com/licensing American Neighborhood Mortgage Acceptance Company LLC (dba OVM with AnnieMac Home Mortgage) is not affiliated with the U.S. Department of Veteran’s Affairs, the U.S. Department of Housing and Urban Development, the U.S. Department of Agriculture, or any other Federal Government Agency.