Member Profile

Penny Barker

Turlock Business Network
Industry: Mortgage Lender


Contact Me:
2099859210
email


Ability Ambeck Mortgage

220 Standiford Ave Ste J
Modesto, CA 95350
2099859210
Website
Business and Company Details:
I've been in Real Estate since 1987 and Lending 20 plus years.  I've been with Ambeck Mortgage since 2007.  We merged with Ability Mortgage in 2020.  We are an in-house lender and have the option to Broker loans as well.  Our company is a DBA of American Pacific Mortgage which is Nationwide.

My reputation is very important to me and is how I have built my business with Integrity. I really care about my clients and desire them to have a positive experience each time they buy or refinance, I will always be there to help them. Developing strong relationships is the foundation of everything I do, both professionally and personally. My philosophy is to listen to my clients and be their loan consultant for life.

Specializing in: Home Loan Mortgages, Refinances, VA loans, FHA loans and Conventional Loans. I also specialize in Reverse Mortgages and First time buyers. NMLS#323622

Licensed in CA | Equal Housing Opportunity | Licensed by the Dept. of Financial Protection and Innovation under the CRMLA. Branch NMLS #1192499

 
My education, training and business experience
I have had my Real Estate license since 1987 and received my NMLS lender license since the first year required in 2010.  
 
When I m not working, I enjoy .

I love to golf and play softball.  I have 3 dogs.  I have many friends and family that I'm close to and spend time with.

I have been married 42 years and have 3 children, 2 daughter in-laws and 3 grandchildren.





 
Some of the Clubs, Associations and Volunteer activities that I participate in are
I am a member of the Central Valley Association of Realtors and served on their council for 4 years.

I'm a member of the Lodi Association of Realtors.

I currently serve on the Women's Council of Realtors as the Treasurer.

 I am also a youth leader for my church.  

I've been a volunteer for many fundraiser events, including Bowling tournaments, Golf tournaments, Salvation Army "kids day" selling newspapers, CVAR Cantree and LAR fashion show.  
 
Gold Star Information
Year Joined: 2025
Areas Served In: Joined in 2025
Turlock Wed lunch group
918-933-4864