Ability Ambeck Mortgage

Ability Ambeck Mortgage, the mortgage division of American Pacific Mortgage

Ability Ambeck Mortgage operates as a division of American Pacific Mortgage Corporation (NMLS #1850) and presents itself as a full-service mortgage lender. Its business is aimed at individuals, businesses and investors seeking financing to buy a home, refinance or invest in real estate. The firm describes itself in its own materials as the leading mortgage lender in California's northern Central Valley.

The company builds its offering around three pillars it repeats in its communications: service, integrity and prosperity. In its corporate presentation it states that its mission is to support clients and business partners at every stage of the mortgage process, equipping its loan officers and teams with the necessary tools and training to do so.

Financing products and tools

The company's catalogue covers various mortgage packages, which it invites you to review with the support of any of its qualified loan officers. Among the educational content it publishes is a series of articles on mortgage buy downs, a financial arrangement that allows the interest rate and monthly payment to be temporarily reduced.

The website also includes an interactive mortgage payment calculator where users enter the home value, loan amount, interest rate, term in years, start date, property tax and private mortgage insurance (PMI). The company itself notes that these calculators are self-help tools, that the examples are hypothetical and that they do not constitute personalized financial advice.

The material also mentions reverse mortgages as a product available to homeowners aged 62 or older with equity built up in their home, with the option to defer payment until death, sale or relocation, while the homeowner remains responsible for taxes, insurance and maintenance.

Team and customer service

The company's structure is based on a network of offices led by Kevin Hawes as branch manager. The testimonials on the site come from clients who name several team professionals, including Michelle, Kevin, Mary and Penny, crediting them with quickly preparing offers, responding promptly to inquiries and providing support throughout the entire purchase process.

The firm describes its service model as personalized: it maintains that every financial situation is different and that it tailors mortgage options to each client's goals, with follow-up from the start of the transaction and beyond.

Regional presence in California's Central Valley

Ability Ambeck Mortgage has offices in Ripon, Modesto, Turlock and Oakdale, all in California, as well as an operations point in Morgantown, West Virginia. Each location has its own NMLS identification number and a separate contact phone number.

Community involvement

The company states that it invests time and resources in local initiatives: sponsoring neighborhood events, supporting local charities, organizing charity events and volunteering. It presents this involvement as part of its commitment to the communities in which it operates.

Regulatory framework and licenses

The material lists the licenses and registrations that cover its activity in various states: Arizona broker license (AZ BK 0906702), California Department of Real Estate license (CA DRE #01215943) and authorization under the CRMLA supervised by the California Department of Financial Protection and Innovation. Also listed are the Georgia residential mortgage license, Oklahoma MLO13424 registration, license under the Oregon Consumer Finance Act, Nevada NV MB 164 registration and the New Jersey Department of Banking and Insurance license. The company notes that it does not operate in New York and that certain products may not be available in all states.

The firm offers access to the NMLS Consumer Access system for reviewing its records and publishes its privacy policy and its accessibility and ADA compliance statement.

Offices and locations

Main office: 580 N. Wilma Ave, Ste D, Ripon, CA 95366 · Phone: 209-599-8550

Modesto office: 220 Standiford Ave., Ste G & J, Modesto, CA 95350

Oakdale office: 136 N. Maag Ave., Ste B1, Oakdale, CA 95361

Turlock office: 1401 Geer Road, Turlock, CA 95380

Morgantown office: 1143 Steeplechase Dr., Morgantown, WV 26508