About Me

I am Annmarie Calarco, a Relationship Loan Officer with Fremont Bank. I have been a loan officer for Fremont Bank for over 7 years now. I have been in the mortgage industry for almost 20 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.  
I cover both the Rockridge and San Francisco branches. From first time buyers to long term homeowners, I have the experience and commitment to help you reach your financial goals and build a solid foundation for the future.

Why Choose Fremont Bank

Whether it's your first home, next home or investment home, Fremont Bank has the mortgage solution to fit your needs. 

Jumbo Loans

I do Jumbo loans up to $2.5 Million. Fremont Bank has Jumbo adjustable and fixed rate mortgages for loan amounts greater than $625,500.
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Fixed Rate Mortgage

With a fixed rate mortgage you won’t have to worry about your payment increasing if rates increase. Enjoy the stability of a fixed monthly payment.
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Adjustable Rate Mortgage

With an adjustable rate mortgage you have the flexibility to take advantage of fluctuations in interest rates.
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Closing Costs

Is Fremont Bank’s No Closing Cost Loan the right mortgage option for you? Learn more about no closing costs loans and what fees are covered in Fremont Bank’s program in this video.