Business Cell: (209) 985-9210
Business Direct Line: (209) 593-4135
Office: (209) 521-4480

NMLS #323622

Today's Rates

Today's Rates

Mortgage Rates change on a daily basis and can vary depending on your unique situation. Receive FREE and accurate rate quotes from a nationwide network of trusted lenders.

Purchase Assistant

Purchase Assistant

This Free Purchase Assistant has been designed to help narrow down options based on your individual needs.

Refinance Assistant

Refinance Assistant

This Free Refinance Advisor has been designed to help narrow down options based on your individual needs.

Academy Mortgage Corporation

About Penny

Penny Barker is your premier mortgage specialist located in Modesto, California. She prides herself on offering some of the lowest rates nationwide and makes the loan process simple, straightforward and fast for borrowers seeking a mortgage in California area.

Whether you are a first time home buyer, purchasing your dream home, refinancing an outstanding loan, or consolidating debt, Penny Barker can help you take that first step towards a financial solution. Penny Barker’s goal is to create lasting relationships with each and every client and to continue providing excellent service for many years to come. Unlike many of the larger nationwide mortgage companies that are out there, all your information will be kept secure and private. Penny Barker is trusted throughout the community. To speak directly with Penny, simply give her a call anytime or feel free to utilize any of the interactive tools offered throughout the site. Penny looks forward to working with you!

Loan Options

  • 1st time buyer-down payment assistance
  • Reverse Mortgages
  • Featured
  • Conventional
  • Homestyle Renovation
  • FHA
  • Energy Efficient
  • FHA 203k (Renovations)
  • VA
  • USDA
  • Jumbo
  • Agriculture/Acreage

Ambeck Mortgage Associates

Thanks for visiting! Penny’s expertise and broad real estate experience will benefit you whether you are serious about buying or selling a home at this time, or are a returning client checking out the many homeowner resources offered here.

As a local area expert with extensive knowledge of the communities, the objective here is to work diligently to assist you in meeting your real estate goals.