Maxwell approached her agent for ideas. The agent suggested that she look into thrillers, romance novels and horror fiction, as all three were becoming very popular. After reading several horror novels, Maxwell realized that she would not enjoy writing that type of fiction. Her husband brought her five Silhouette novels, three of which were for a brand-new line, Sihouette Desire. Although Maxwell thought the novels were well-written, she did not really enjoy the first four stories. The last one that she read, Corporate Affair by Stephanie James (a.k.a. Jayne Ann Krentz) made her fall in love with the genre. Because she had never read romance novels before, Maxwell picked up over fifty additional category romances to familiarize herself with the expected format and then set out to write her own romance. The resulting novel, Summer Thunder, published in 1982, was the debut of her romance career. This novel, and the more than thirty that have followed, are published under the pseudonym Elizabeth Lowell, a combination of Ann's middle name (Elizabeth) and Evan's middle name (Lowell), even though the books are written solely by Ann.

After several years writing category romances, Maxwell turned to historical romance. After she and her husband stopped writing their own mysteries, Maxwell found that she missed writing suspenseful plots and chose to take a slight turn into contemporary romantic suspense. She has no plans to return to the historical romance genre.

Maxwell's romance novels have consistently placed on The New York Times bestseller list. She has been awarded the Romantic Times Career Achievement Award in 1994, the Romance Writers of America RITA Award for Best Historical Romance in 1999 and The Romance Writers of America awarded her a Lifetime Achievement Award in 1994.

Maxwell spends her free time hiking, fishing for salmon, cooking, gardening, or spending time on the family's boat, the Silver Raven. She and her husband live in the Pacific Northwest. They have a son, Matthew, and a daughter, Heather, who are now grown. Maxwell's daughter has published several books under the pseudonym Heather Lowell.

These books are rewrites of novels previously published under the Silhouette Intimate Moments line

These books were in the Silhouette Desire line