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
Location & Business Hours
Business Hours
Thu
9 AM to 5 PM
Fri
9 AM to 5 PM
Sat
closed
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Professionalism at it finest. Sofia made the entire process fool proof, gave us update and kept us on track. Saying she made the process easy with me being over seas during the process would be enough. I am very grateful and appreciate the...
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Sofia is an experienced professional! She walked me through every step of the home buying process and made herself available to me whenever I had questions. She provided great advice and advocated to others on my behalf. I would request Sofia,...
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Quick responses to my client and I., and she gave daily education on the Va loan process.
Sofia was extremely knowledgeable and efficient! She was solution oriented throughout the whole process. We are grateful for the opportunity to work with her. We are thankful that she assisted us with turning our dream into a reality. We look...
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Sofia and Atlantic Bay Mortgage team were outstanding, and made things very personal. I did not feel like a statistic but more at home. From beginning to end she was very informative and keep me in the loop at all times. Thank you so much.
Sofia was amazing! Sofia took the time to answer all of our questions, and explained things in great detail. She was not only professional, but patient throughout the whole process. Thanks so much Sophia for providing us with an excellent experience!...
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Sofia was awesome and very patient with me as I was living overseas during the approval process. Very appreciative of her assistance.
Sophia, from the first time we spoke with her until the closing of our loan, she was very professional,friendly,had a positive attitude and always willing to answer any questions no matter how simple it was. She was very knowledgeable about...
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Sophia was very friendly and knowledgeable about job. Never made you feel rush when calling her. Excellent customer service. She’s was the best.
Sofia made the process easy and smooth!
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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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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.