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Loan Advisor

Mary Ann Nicholes

NMLS #125402

Loan Advisor • Bellevue Branch

Phone: 206.781.2465
Fax: 206.781.0750
Licensed in WA

About Mary Ann


Branch Address: 301 116th Ave SE, Suite 200 Bellevue, WA 98004

See what my customers are saying...


Being a first time home owner and having no real idea of the process to get a home, Mary Ann patiently worked with me through the many steps and requirements. Despite the struggles in the housing market (at the time), issues unrelated to home buying and offer after offer, Mary Ann was right there adjusting, updating and answering questions. I also appreciated that she worked closely with my realtors, creating a team for me, not just a bunch of people uninterested in my delima.

I was very pleased with her communication, she could move between emails and phone calls without missing a beat. She kept track of everything and made me feel like a friend, not a client.

Carl Rodakowski - Happy Homeowner


Mary Ann is the best! Nobody works harder for you or is more patient. She made sure I got the lowest rates and she worked with me every step of the way to explain exactly what I needed. She is also an incredibly sweet person. I would recommend her without any hesitation. She helped me get my original mortgage under some very complicated circumstances, and also with my refinance. Each time, she was impeccable, making sure all the steps were followed so that my deal went through without a hitch. Thanks, Mary Ann!

Adina Meyer - Happy Homeowner

Mary Ann was so helpful! My husband and I had not a clue as to what we were doing and she not only walked us through everything, she held our hands. Mary Ann made the process so easy and painless. I would recommend Mary Ann to anyone and everyone. Honestly, I wish there were more Mary Ann's in all aspects of business.

Michelle Lind - Customer Service Rep

Free Resources

First Time Homebuyer Checklist

This easy-to-follow First Time Homebuyer Checklist includes important information and worksheets to prepare you for buying your first home.

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Which Mortgage Loan Suits Me?

There are many mortgage loans to choose from, so it’s important to choose one that fits your circumstances. This quiz can help you decide between various loan options.

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5 Step Roadmap of the Home Loan Process

We mapped out the home loan process to provide you with the knowledge you need to navigate this exciting journey.

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Am I Financially Ready to Buy My First Home

This guide covers the most common financial questions asked when buying a home and is often needed to be financially ready. You may be ready to buy a home sooner than you think.

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Avoid These Mistakes When Buying Your First Home

Download our Tipsheet and you can steer clear of the most common hurdles along your path to homeownership.

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Insider’s Guide to Government Loan Options

In this guide, learn if you qualify for a government home loan for benefits that often include attractive interest rates, low down payment options and more lenient qualifying guidelines.

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Thanking our Servicemembers: Your Guide to a VA Loan

In this guide, you will learn why VA loans are a great option for homeownership for active members and veterans in our armed forces.

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Home Buyer Blog

Let us help you find the home loan to reach your financial goals.

American Pacific Mortgage Programs

Your offer backed by the purchasing power of a full loan approval. With our Keys on Time program, your offer may stand out in a competitive market. Keys on Time Guarantee Want peace of mind for rising interest rates? You can lock your rate while you shop for a home, sell your home, or while your home is under construction. Certain fees may apply. Secure Lock Our Bridge Loan programs can help you purchase a new home before your existing home is sold. Bridge Loan Programs If you are looking to buy a home that exceeds conforming loan limits, we have multiple Jumbo loan programs to choose from. Jumbo Programs Our Peak Loan program allows you to buy a home up to $1.5M with only 5% down. Peak If you are looking to finance a home that exceeds conforming loan limits, our High Balance Solutions program may be the ticket you need. High Balance Solutions If you are looking to finance a home that exceeds conforming high balance loan limits, you can split the loan amount between a first and second with our Jumbo Solutions program. Jumbo Solutions With our Expanded Access program, we have opened the doors to borrowers who need access to financing but don’t "fit" the standard agency or jumbo program guidelines. Expanded Access Investor Advantage gives you purchasing power in the market today for investment properties. Investor Advantage A mortgage program that lets qualified borrowers factor in their assets as sources of qualifying income. Asset Inclusion If you can dream it, you can make it a reality. Finance the purchase of your fixer upper with the cost of repairs included in your mortgage. Dream Home Renovation Home Ready is a conventional 3% down mortgage loan with even more flexible income qualification guidelines. Home Ready by Fannie Mae Purchase a home with low down payment and flexible sources of funds. Home Possible A mortgage program dedicated to saving our selfless teachers and first responders a little money on their home loans. STaR Loan Program Financing provided for the purchase and refinancing of manufactured homes. Manufatured Housing