Penny Barker - Loan Officer

Penny Barker - Loan Officer I was born and raised in Modesto, Ca. I have had my Real Estate licenses since 1987. My experience in Real Estate, includes both home sales and lending.

Penny Barker | NMLS #323622
Loan Officer | Ability Ambeck Mortgage NMLS 1850
Licensed by the Dept of Financial Protection and Innovation under the CRMLA
Equal Housing Opportunity
Residential home loans I can help you refinance your home, buy your first or next home, or investment property. I will help you understand the process from beginning to end. My philosophy is to listen to my clients and be

their loan consultant for life. I have been one of Ambeck's top producer's since 2008. My areas of expertise are with Conventional, Veterans Administration (VA), Federal Housing Administration (FHA), 203K and USDA loans. My reputation is very important to me and is how I have built my business. I can be contacted most anytime so that I can answer any of your questions and make the transaction as smooth as possible. Please feel free to contact me.

"Penny is very knowledgeable about the whole loan process and has the connections with others to make the whole house bu...
07/25/2026

"Penny is very knowledgeable about the whole loan process and has the connections with others to make the whole house buying process easy. She kept us up to date throughout the process, reminded us when we needed to take actions or provide information, etc." says Jimmie

127 customer reviews of Penny Barker (NMLS #323622). One of the best Mortgage Lenders businesses at 220 Standiford Ave, Suite G and J, Modesto, CA 95350 United States. Find reviews, ratings, directions, business hours, and book appointments online.

"Penny streamlined a usually difficult process. Thank you Penny for giving us direct attention with our home purchase!" ...
07/08/2026

"Penny streamlined a usually difficult process. Thank you Penny for giving us direct attention with our home purchase!" says Ian

126 customer reviews of Penny Barker (NMLS #323622). One of the best Mortgage Lenders businesses at 220 Standiford Ave, Suite G and J, Modesto, CA 95350 United States. Find reviews, ratings, directions, business hours, and book appointments online.

I’m so blessed to work with so many wonderful families that become my friends for life. ❀️πŸ₯°οΏΌ
05/24/2026

I’m so blessed to work with so many wonderful families that become my friends for life. ❀️πŸ₯°οΏΌ

β˜…β˜…β˜…β˜…β˜… We have worked with Penny for close to 15 years. She is the best in the industry and has a great team that makes it happen. Thanks for all the help.

"Penny is amazing. She helped me with my refinance and everything went smoothly. She is on top of everything. I have rec...
05/22/2026

"Penny is amazing. She helped me with my refinance and everything went smoothly. She is on top of everything. I have recommended Ambek to several of my friends. Excellent knowledge, and down to earth." says Sharon

β˜…β˜…β˜…β˜…β˜… Penny is amazing. She helped me with my refinance and everything went smoothly. She is on top of everything. I have recommended Ambek to several of my friends. Excellent knowledge, and down to earth.

"We have worked with Penny for close to 15 years. She is the best in the industry and has a great team that makes it hap...
05/20/2026

"We have worked with Penny for close to 15 years. She is the best in the industry and has a great team that makes it happen. Thanks for all the help." says Randy

β˜…β˜…β˜…β˜…β˜… We have worked with Penny for close to 15 years. She is the best in the industry and has a great team that makes it happen. Thanks for all the help.

"Penny is wonderful to work with!! She gets everything done in a timely manner and response to questions right away. I w...
05/14/2026

"Penny is wonderful to work with!! She gets everything done in a timely manner and response to questions right away. I would highly recommend her!! Thanks Penny." says Dawna

β˜…β˜…β˜…β˜…β˜… Penny is wonderful to work with!! She gets everything done in a timely manner and response to questions right away. I would highly recommend her!! Thanks Penny.

05/06/2026

Address

220 Standiford Avenue Ste J
Modesto, CA
95350

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

Telephone

+12099859210

Website

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