ABOUT MARY:

Experience matters—especially when your mortgage isn’t one-size-fits-all.

Mary Niles has been helping homebuyers and homeowners navigate mortgage financing since 1981. With more than four decades in the mortgage industry, Mary brings extensive experience, personal attention and a problem-solving approach to every transaction.

From first-time homebuyers to longtime homeowners, move-up buyers, investors and clients with more complex financial situations, Mary believes the right mortgage begins with understanding the borrower—not simply selecting a loan program.

Mary serves clients throughout California, with longstanding relationships in Modesto and the Central Valley as well as Walnut Creek, Rossmoor and the greater East Bay.

Home Financing for Every Stage of Life

Mary works with a wide range of residential financing options, including:

• Conventional home loans

• Jumbo conventional financing

• FHA loans and FHA high-balance loans

• VA and jumbo VA financing

• Purchase and refinance loans

• Investment property financing

• DSCR financing

• Non-QM and specialty loan programs

• Renovation and ADU financing

• Financing solutions for unique or complex borrower situations

Not every borrower fits neatly into the same box. One of Mary’s greatest strengths is the experience to recognize when a straightforward conventional loan is appropriate—and when a more specialized solution needs to be explored.

Walnut Creek & East Bay Mortgage Experience

Mary has developed a strong client and real-estate-partner base throughout Walnut Creek and the East Bay.

She works with buyers and homeowners across a broad range of financing needs, from traditional conventional mortgages to jumbo financing for higher-value properties and more complex lending scenarios.

Her goal is always the same: understand the complete picture, explain the available options clearly and help clients make informed financing decisions.

Specialized Rossmoor Financing Experience

Mary also has extensive experience helping buyers and homeowners in Rossmoor Walnut Creek.

Rossmoor transactions can present financing considerations that are different from a typical home purchase, particularly when purchasing a cooperative property. Mary’s familiarity with both Rossmoor condominium and co-op transactions can help buyers, sellers and real estate professionals navigate those differences more confidently.

Rossmoor is an important area of specialization for Mary—but it is only one part of her broader residential mortgage practice.

Modesto & Central Valley Roots

Born and raised in Modesto, Mary has spent decades helping clients throughout Modesto and surrounding Central Valley communities purchase, refinance and invest in real estate.

Many of Mary’s clients return to her through different stages of life and refer their friends and family—a reflection of the long-term relationships she has built throughout her career.

A Personal Approach to Mortgage Lending

A mortgage can be one of the largest financial decisions a person makes.

Mary believes borrowers deserve more than an online application and a loan quote. They deserve someone who will answer questions, explain the process, communicate with the other professionals involved in the transaction and help identify potential issues before they become larger problems.

Whether you are purchasing your first home, moving into your next one, financing a higher-value property, investing in real estate, refinancing or facing a mortgage scenario that requires additional expertise, Mary welcomes the opportunity to help.

Talk With Mary About Your Home Financing

Every borrower and property is different. Contact Mary to discuss your goals and explore the financing options that may be available for your situation.

Mary Niles
Loan Officer | NMLS #321022
Ability Ambeck Mortgage
Licensed in California

All loans are subject to borrower and property qualification, underwriting approval and applicable program guidelines. Loan programs and availability are subject to change.