Stef Ann Holm was born in Southern California near Hollywood. With the fantasy worlds of Disneyland and Universal Studios at her doorstep, her imagination was stimulated at an early age. She attended Chatsworth High where Kevin Spacey, Mare Winningham and Val Kilmer entertained on the school's stage. As a semester elective, Stef Ann enrolled in drama and played a Fandango hostess in the chorus of Sweet Charity. It was the beginning and the end of her acting and singing career. She got a "C" in Drama and an "A" in Creative Writing.

She has had twenty-four novels and one novella published. Her editor has called her contemporary romances, "Slices of life stories about real people."

Stef Ann lives in Boise, Idaho with her husband, extended family and her squirrel-crazy Yorkshire, Cocoa Puff.