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.

I’m so blessed to work with so many wonderful families that become my friends for life. ❤️🥰
05/24/2026

I’m so blessed to work with so many wonderful families that become my friends for life. ❤️🥰

★★★★★ 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

★★★★★ 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

★★★★★ 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

★★★★★ 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
"Very supportive and helpful propesionaly" says Mark
03/10/2026

"Very supportive and helpful propesionaly" says Mark

★★★★★ Very supportive and helpful propesionaly

"If your looking for any awesome loan officer. I highly recommend Penny. She made our loan process seamless. Awesome tea...
12/26/2025

"If your looking for any awesome loan officer. I highly recommend Penny. She made our loan process seamless. Awesome team, hands down!!" says Daniel

★★★★★ If your looking for any awesome loan officer. I highly recommend Penny. She made our loan process seamless. Awesome team, hands down!!

"Penny was amazing through our home buying process! She stayed in communication with us and was very responsive to any ...
12/25/2025

"Penny was amazing through our home buying process! She stayed in communication with us and was very responsive to any questions we had! Thank you for your help! We will be using Penny for any loan needs we may have in the future! 😊" says Amy

★★★★★ Penny was amazing through our home buying process! She stayed in communication with us and was very responsive to any questions we had! Thank you for your help! We will be using Penny for any loan needs we may have in the future! 😊

"Penny was easy to get ahold of when I needed and answered the questions I had. She also put up with me at times when I ...
09/26/2025

"Penny was easy to get ahold of when I needed and answered the questions I had. She also put up with me at times when I probably wasn’t so pleasant to deal with." says Austin

★★★★★ Penny was easy to get ahold of when I needed and answered the questions I had. She also put up with me at times when I probably wasn’t so pleasant to deal with.

"Thank you for being always avaliable on and off line always calling me back and going that extra mile to help me clean ...
09/20/2025

"Thank you for being always avaliable on and off line always calling me back and going that extra mile to help me clean up a family title mess you are the best for sure " says Melissa

★★★★★ Thank you for being always avaliable on and off line always calling me back and going that extra mile to help me clean up a family title mess you are the best for sure

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

https://apmobile.apmortgage.com/homehub/signup/[email protected]?

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