Mortgage Advisor · Planning-Led

Clear, strategic mortgage advice — so you can make confident decisions.

I take a planning-first approach to every conversation. My role isn’t simply to arrange a mortgage — it’s to help you understand the structure and implications of your borrowing, so decisions are made with clarity and conviction.

See what my clients say Mortgage Calculator
No pressure — just clear, practical guidance.
2,000+ clients guided through mortgage decisions across 23+ years.
23+
Years Advising
2,000+
Clients Guided
400+
Verified Reviews
~12 days
Avg. Clear-to-Close
Who I Work With

Tailored guidance for where you are — and where you’re going.

Every situation is different. Select your path to see how planning-first mortgage advice applies to you.

First-Time Homebuyers

Slow the process down. Understand your options, payment comfort, and what actually matters — before the offer.

Refinancing or Optimizing

Is your current loan still working for you? Review the full cost, not just the rate, and make sure the math still fits your plan.

High-Net-Worth

Strategic mortgage structure aligned with broader portfolio, liquidity, and capital positioning — not just lending terms.

Self-Employed

Income documentation, entity structure, and program selection done right. I work with options other lenders won’t touch.

Relocation

Navigating a move — whether for work, family, or lifestyle. Clear timelines, bridge strategies, and jurisdictional expertise.

Real Estate Investors

Leverage strategy, portfolio positioning, cash-out scenarios, DSCR and conventional financing — structured for growth.

Planning to Retire in 5–10 Years

Coordinate with your financial planner, CPA, and estate attorney to ensure the mortgage decision supports — not constrains — retirement.

Commercial Lending

Owner-occupied, investment, multi-family, and mixed-use commercial financing — structured around the broader business and ownership picture.
Loan Programs

The right structure for your situation.

Hover any card to see how it fits — tap on mobile. Then let’s talk. No pressure, no credit pull.

Conventional
3% down. Best rates for strong credit.
  • Down payments as low as 3%
  • Cancel PMI at 20% equity
  • Fixed or adjustable rate
  • Loan limits up to conforming cap
FHA
3.5% down. Flexible credit welcomed.
  • 3.5% down with 580+ credit score
  • First-time and repeat buyers
  • Stackable with most DPA programs
  • Streamline refi available
VA
0% down for veterans & active military.
  • Zero down payment required
  • No private mortgage insurance
  • No loan limits with full entitlement
  • VA IRRRL streamline refi available
Physician Loan
Complex
Built for MDs, DOs, dentists & more.
  • Up to 100% financing, no PMI options
  • Student loan debt treated favorably
  • Future-income qualifying for residents & fellows
  • Jumbo limits available for high earners
Jumbo
Complex
High-value & non-warrantable scenarios.
  • Loans above conforming limits
  • Non-warrantable condos, foreign nationals
  • Fixed, ARM, or interest-only
  • RSU income & asset depletion accepted
Bank Statement
Self-Employed
Qualify on deposits, not tax returns.
  • 12 or 24 months bank statements
  • Personal or business accounts
  • Up to $5M loan amounts
  • No tax returns required
DSCR / Investor
Investor
Scale your portfolio without W-2 limits.
  • Qualify on rental income, not personal
  • Short-term rental properties eligible
  • No employment verification required
  • Multiple property financing available
Bridge
Buy before you sell. Stay competitive.
  • Tap equity for the next purchase
  • Make non-contingent offers
  • Short-term financing structure
  • Refi out once first home sells
Construction
Build new or major rebuild financing.
  • Single-close construction-to-perm
  • Owner-builder & custom home programs
  • Interest-only during build phase
  • Convert to permanent at completion
Renovation
Buy & renovate — one loan, one closing.
  • FHA 203(k) and HomeStyle programs
  • Finance repairs into the purchase
  • Cosmetic to structural improvements
  • Based on after-repair value
Reverse Mortgage
62+
Tap home equity in retirement.
  • HECM & jumbo proprietary options
  • No required monthly payments
  • Line of credit, lump sum, or tenure
  • Stay in your home with title intact
Commercial
New
Owner-occupied, investment & mixed-use.
  • Multi-family, retail, office, mixed-use
  • Owner-occupied & investment scenarios
  • Bank, agency, & private capital programs
  • Structured around the full ownership picture
Payment Calculator
Common Questions

A few things people ask before reaching out.

Where is Anne based, and which states is she licensed in?

Anne is based at 1180 North Town Center Drive, Suite 100, Las Vegas, NV 89144 and is licensed to originate mortgages in Nevada (License #22820) and California (DFPI License CA-DBO374576). She regularly works with clients across the Las Vegas Valley — Summerlin, Henderson, North Las Vegas, Boulder City — as well as California borrowers.

What types of loans does Anne offer?

Conventional, FHA, VA, jumbo, physician loans, bank statement, DSCR / investor, bridge, construction, renovation, reverse mortgages, and commercial real estate financing. The right structure depends on your income picture, asset profile, property type, and long-term goals — that's the conversation we start with.

How long does it take to close a loan with Anne?

Conditional approvals typically come back within 1–2 business days. Average clear-to-close is approximately 12 days across recent files, with standardized communication so you always know where the loan stands.

Does Anne work with self-employed borrowers or complex income?

Yes — this is a primary specialty. Bank statement programs, DSCR / investor income, asset-based qualification, and complex documentation for business owners and 1099 borrowers are all routinely handled. Tax returns and CPA collaboration welcome.

Does Anne have a process for high-profile clients to protect their anonymity?

Yes. Anne has worked with celebrities, musicians, professional athletes, and high-profile business leaders, and follows a specific privacy protocol designed to protect client identity through every stage of the loan. This includes restricted file access, controlled vendor coordination, attorney/business-manager-led communication, and discreet handling of appraisals, title, and disclosures. Details are walked through privately on an introductory call.

Will running a pre-approval affect my credit?

An initial conversation does not require a credit pull. When you formally apply, a credit check is part of the pre-approval — but we discuss timing first so it aligns with your home-search window and any other credit decisions you have planned.

How do I get in touch?

Call (702) 279-8711, email Anne.Bell@apmortgage.com, or click Apply Now. Anne typically responds within one business day. NMLS #374576 · Branch NMLS #1996871.

Portrait of Anne Bell, Las Vegas mortgage advisor with 23+ years of experience
About Anne

Two decades of guiding clients through the decisions that shape their financial lives.

With over 2,000 clients guided through mortgage decisions over 23+ years, I’ve seen how the right structure — and the wrong one — can impact long-term financial outcomes.

What clients tell me, again and again, is that they trusted the process from the beginning. They felt patient, informed, and never rushed. And they walked away confident — because they understood the decision they were making.

That’s the work. Not selling loans. Building the understanding that makes a good decision possible.

For more complex situations — high-net-worth planning, pre-retirement positioning, investor portfolios, self-employed income structure — I regularly collaborate with financial planners, estate planning attorneys, and CPAs. Mortgage decisions shouldn’t happen in isolation.

Most loan officers stop at quoting numbers. I go further — every recommendation is grounded in a deeper analysis of your total borrowing cost, your long-term plans, and how this mortgage fits into your overall financial strategy.

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Start with Clarity

Talk through your situation — not a rate quote.

No pressure, just clear practical guidance.

Start with clarity and a plan

When you click Send to Anne, this form opens an email in your default mail app addressed to Anne with your details pre-filled — review and send when ready. By emailing Anne Bell (NMLS #374576) and American Pacific Mortgage Corporation (NMLS #1850), you consent to be contacted in reply. Your information is never sold. This is not a commitment to lend.

Mortgage Calculator

See what you can afford.

Estimate your monthly payment in seconds. Adjust the sliders and see results update live — then reach out for an accurate quote based on your actual situation.

Estimated Monthly Payment
$3,490
per month
Principal & Interest —
Property Tax —
Homeowners Insurance —
Est. MI (740+ FICO) —
Loan Amount —
Get an accurate quote

Estimated figures for illustration only. Mortgage insurance estimates assume favorable credit (740+ FICO) on a conventional, owner-occupied loan and will vary by program, FICO, LTV, DTI, property type, and current MI pricing. Does not include HOA dues, flood insurance, or other costs. Actual rate and payment depend on credit profile, property type, and market conditions. Contact Anne for a personalized quote.