AMS
    AMS Mortgage Services

    NMLS #2099604

    Licensed in: CA, TX, FL

    Languages: English, Russian

    Anastasia Bonholtzer

    Residential Mortgage Advisor

    I’m Anastasia Bonholtzer—most people know me as “Your Loan Queen.” I’m based in Redondo Beach, California, and licensed throughout CA, FL, and TX. I help with purchases, cash-out refinances, debt consolidation loans, and HELOCs—finding smart, creative ways to make homeownership and equity work for you.

    My passion is working with divorcing couples, Veterans, first-time homebuyers, and business owners—people who don’t always fit into a perfect box but still deserve thoughtful solutions. My background as a civil litigation paralegal helps me navigate complex situations, but what clients appreciate most is how real and responsive I am. I keep things clear, move quickly, and stay by your side every step of the way. Call or text me today to start your homeownership journey (323) 823-2816.

    Why AMS Mortgage Services?

    Trusted by families across the nation since 1992

    34+
    Years in Business
    Established 1992
    10,000+
    Families Helped
    Successful closings
    5 Star
    Customer Rated
    Excellence in service
    Licensed
    9 States
    NMLS #20843

    What My Clients Say

    Real reviews from real clients

    "Anastasia was amazing to work with! As a first-time homebuyer (now officially a homeowner!), I was nervous going into the process, but she made it feel seamless and manageable from day one. She was incredibly responsive, gave clear direction at every step, and kept everything moving efficiently. We even closed 5 days early! I’m so grateful for her support and would absolutely recommend her to anyone looking for a lender."

    — JP - First Time Homebuyer Buying Her Investment Property First!

    "The Loan Queen strikes again…. My credit plummeted after my divorce 850 to 670 because my ex stopped making payments on a loan I was a co-signer on. The delinquency was less than a year old so I never thought I would qualify for a loan. Not only did she find a lender, I got a competitive rate. From pre-approval to closing it was all less than 45 days. She made the process so easy. Having bought several properties before I have to say this was the easiest most straight forward process I’ve gone through despite the challenges from my credit score and delinquency. Highly recommend Anastasia. I’ll definitely be going back to her for future financing."

    — HS - Investment Home with Challenging Credit

    "Working with Anastasia and her team was a great experience from start to finish. She was always accessible and made the process feel manageable. As first-time buyers, we had a lot of questions (sometimes the same one ten times...), and she answered all of them... multiple times. The seller’s agent was incredibly unprofessional toward Anastasia and our Realtor at one point during the transaction, but she never let it affect the process we only found out about it afterward. If you're looking for a loan officer who’s sharp and reliable, Anastasia is the one."

    — DF - First Time Homebuyers with Extra Handholding

    "Working with Anastasia was an incredible experience from start to finish. As a business owner without a traditional W-2, I was nervous about the lending process, but Anastasia was knowledgeable, confident, and immediately put me at ease. She truly understands how to navigate non-traditional income and took the time to explain options clearly and thoroughly. What stood out even more was how far above and beyond she went -- she also helped my parents with their loan and was incredibly patient and hands-on every step of the way. There were moments when additional support was needed, and Anastasia didn't hesitate to show up in person to make sure everything was handled properly. She is responsive, detail-oriented, and genuinely cares about the people she works with. You can tell she's passionate about helping her clients succeed and feel supported through what can otherwise be a stressful process. I would wholeheartedly recommend Anastasia to anyone -- especially business owners or families needing a lender who truly shows up."

    — KF - Business Owners Using Bank Statement Loan to Buy First Property

    "I'm not usually one to post reviews, but in this case, I feel it's the least I could do for Anastasia. Anastasia is hands down the most professional, knowledgeable, detail-oriented, client-centric, and resourceful loan officer I've ever worked with. I was in the process of buying a home when a friend referred me to her, recommending her highly for securing great loan rates. Originally, my wife and I were working with a loan officer recommended by our realtor. Unfortunately, due to ongoing issues and disappointment with that team, we decided it was best to switch--and that's when we reached out to Anastasia. When she reviewed our file, she immediately spotted details the previous loan officer had completely missed--issues that could have stopped us from getting approved. At that point, we had already made an offer on our dream home and had only 21 days to close. Not only did Anastasia get us approved, but she also got everything done in just 14 days--and at a great rate. I can say this with absolute confidence, if it weren't for Anastasia, we would not be living in our dream home today. She went above and beyond every step of the way."

    — EM - Closing in 14 Days!

    How I Can Help You

    Purchase a Home

    Get pre-approved and find the perfect loan program for your new home purchase.

    Refinance

    Lower your rate, reduce your term, or access your home's equity.

    Investment Properties

    Grow your portfolio with financing options for investment properties.

    Calculate Your Payment

    Use our mortgage calculator to estimate your monthly payments and see what you can afford.

    Mortgage Calculator

    What will your monthly payment look like?

    Quickly estimate your monthly mortgage payment, including property taxes, homeowners insurance, and mortgage insurance, to give you the full picture.

    This calculator is made available to you as an educational tool only and calculations are based on borrower-input information. This is not an advertisement for the above terms, interest rates, or payment amounts.

    The above information is meant for educational purposes only. Actual fees, costs, and payments may vary. As a result of refinancing, your total finance charges may be higher over the life of the loan. This is not a commitment to lend. Not all borrowers will meet the requirements necessary to qualify. Rates and terms are subject to change based on market conditions and borrower eligibility. Monthly Payment does not include taxes and insurance. Your payment obligation will be higher.

    Check VA & FHA Condo Approval Status

    Planning to purchase a condominium? It's important to verify whether the property is on the approved list for FHA or VA financing. Condo approval status can vary — a unit may be listed as "Approved," "Eligible," "Expired," "Withdrawn," or "Rejected." Confirming approval status early in the process helps avoid financing delays and ensures a smoother path to closing.

    Verify your Condominium or HOA approval status using the official lookup tools below:

    Check FHA Condo Approval

    FHA Condo Approval - US Capitol
    Check FHA Status

    Check VA Condo Approval

    VA Condo Approval - Veterans
    Check VA Status

    Ready to Get Started?

    Let's discuss your mortgage needs and find the best solution for your situation. I'm here to help make your homeownership dreams a reality.