Ability Mortgage, a division of American Pacific Mortgage Corporation NMLS #1850 : Licensed by the Department of Business Oversight Under the California Residential Mortgage Act. Equal Housing Opportunity. We have built a strong reputation as an outstanding mortgage lending company since 1989, serving the lending needs of real estate professionals, builders and individual home-buyers throughout the western United States. We’re a full service mortgage lender with an experienced staff offering expertise in every area of mortgage lending... from purchase to refinance to construction lending.