Homeownership is one of the most memorable moments in an individual’s life, but securing your home mortgage approval might be confusing and daunting. I believe every individual can be a homeowner with the right guidance and resources and an originator/company with the right mortgage programs and loan options.

I know that owning a home is the real American dream. I became a loan officer 20 years ago and have stayed because I love being a part of the client experience to obtain this significant achievement in their life. As your trusted mortgage advisor, finding the loan that genuinely speaks to your needs is what makes me smile. I love assisting people from all walks of life, but military veterans hold a special place in my heart!

I grew up in Church Hill, Tennessee, and now live in Ashburn, Virginia. Ashburn is a wonderful community with a unique mix of culture, history, and local lore. It’s a safe and fun place to live and raise a family. I want to help others find their safe place where friends and family gather to create unforgettable memories. My team and I assisted more than 300 families in finding their “home sweet home” in 2021.

The culture and support are exceptional at Atlantic Coast Mortgage; I am truly amazed at how everyone here works so hard to find the right loan products for their clients and makes every effort to get to closing smoothly.

When I’m not helping clients, I support the Veteran’s Honor Flight and The Charity League for Mothers & Daughters. I also serve on the board of the Fellowship of Christian Athletes. In my spare time, you can find me at a University of Tennessee game cheering on my Vols with my husband, John, and daughter Ainsley.

My business is built upon referrals from the many gratified customers I have enjoyed serving throughout my career. Helping others achieve or strengthen their American Dream of Home Ownership represents my ultimate objective. I desire to become your Lender for Life on the road to achieving your financial, security, and community aspirations.

Licensed in:
Alabama, District of Columbia, Florida, Georgia, Maryland, North Carolina, South Carolina, Tennessee, Virginia, West Virginia
Awards & Achievements
  • Scotsman Guide, Top Originator
  • Scotsman Guide, Top Women Originator

Georgia Residential Mortgage Licensee

The Bell Team at Atlantic Coast Mortgage

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Melissa Bell

EVP, Area Manager
NMLS ID 450558
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Matt Murphy

Production Manager
NMLS ID 1090155
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Brittany Demock

Loan Officer Assistant
NMLS ID 1945831

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Stephanie Norton

Team Production Manager
NMLS ID 1436091

What Others Are Saying About Melissa

“My wife and I were purchasing our new home. We had found our dream home in a great community and we needed a top-notch lender to work her magic with the numbers so we could purchase it. Melissa was more than up to the task. She was diligent, passionate, and thorough at helping our family purchase our home. She answered the phone day and night and literally worked miracles. Our family could not be more grateful to her and her team’s efforts. Thank you for everything.”
  • Ray M.
“Melissa Bell and company were so helpful throughout the process of obtaining a mortgage. As first time home buyers, my husband and I were happy to have Melissa’s insight and experience at our side. We would highly recommend her for your future home buying needs.”
  • Michael M.
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Homebuying Essentials

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Melissa Bell

EVP, Area Manager NMLS ID 450558

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Address 4097 Monument Corner Drive, Suite 600
Fairfax, VA 22030

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