Annette Maxine Martin

2195 Tully Road, SAN JOSE CA 95122

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Get to know Annette

As a proud U.S. Army Veteran with 36 years of service, I know firsthand the sacrifices you've made. Now, as a Certified VA Loan Specialist and Military Friendly Lender, I've spent the last 5 years dedicating my career to helping Veterans nationwide secure the mortgage they've earned. My mission hasn't changed — serving those who served. I'm Annette, and I'm here to guide you home.

Why choose Annette?

Licensed in:

Alabama

Georgia

North Carolina

Loan Products:

Years of experience:

Languages spoken:

English

Brokerage info

Questions? Annette has answers.

We prompted questions to Annette so you can learn more about their skills, preferences, and availability.

How do you work with clients buying out of state?

I'm a nationwide VA loan specialist — licensed to lend across state lines. Everything is done digitally, making the process seamless no matter where you call home.

What should clients expect when working with you from start to finish?

Expect clear communication, expert guidance, and a dedicated advocate from application to closing — I walk with you every step of the way.

How do you provide rate quotes for clients who want to protect their credit score?

I use a soft credit pull for initial rate quotes — no impact to your score. A hard inquiry only occurs when you're ready to move forward.

Where and how do you typically connect with clients?

I connect with clients virtually via phone, video call, email, and text — making it easy and convenient to work together from anywhere in the country.

How do you support clients looking to improve their credit before applying?

I offer free credit consultations, personalized action plans, and ongoing check-ins to help clients reach their goal score — so they're ready when the time is right.