Your Dream Home,
Our Dream Team

Jennifer Ballheimer

Regional Production Manager

Loan Originator
NMLS#: 143750

Mortgage Company Memphis, TN

Excellent Customer Service is paramount to me! My team and I want to make your mortgage experience as seamless and efficient as possible. If there is anything I have learned since joining the mortgage industry in 2003, is that communication is key! Since joining the industry, I have been honored to receive many production and customer satisfaction achievements. I have been a member of the President’s Club as a Top Producer for 15 years. I have also been recognized as a nationwide winner of the distinguished Scotsman’s Guide Award (2018-2024) for outstanding closed loan production. I also received the Customer Satisfaction Nationwide Winner in 2019 from Experience.com.

I have been fortunate to remain in the top 1% of LOs in the nation for exemplary customer service from 2018-2024. I rarely leave my desk,  but when I do, it is to explore new places or catch a concert. Now that you know a little about me, it is time to reach out to me so that we can begin this journey together!

About Mortgage Financial Services

At Mortgage Financial Services, we make it our mission to provide the best mortgage services available to our clients. Our experienced team of loan officers are committed to finding the right loan program for each customer. We understand that everyone has different financial circumstances and goals, and we strive to help our customers get the most out of their home purchase or refinance.

We offer a wide variety of mortgage solutions, including:

  • Conventional loans
  • FHA loans
  • VA loans
  • USDA loans
  • Jumbo loans
  • Refinancing options
  • Conventional loans
  • FHA loans
  • VA loans
  • USDA loans
  • Jumbo loans
  • Refinancing options

We also offer a variety of specialty programs to fit your individual needs. Our loan officers are knowledgeable and experienced, and we strive to make the mortgage process as stress-free as possible for our customers.

Why Choose Mortgage Financial Services?

Local Expertise

With our deep knowledge and understanding of the Memphis housing market, we can offer you insights and guidance specific to your local area. Our team of experienced professionals is well-versed in the intricacies of the Memphis real estate market, ensuring that you receive the most relevant and up-to-date information.

Wide Range of Mortgage Options

Whether you are a first-time homebuyer, looking to refinance, or seeking a jumbo loan, we have a wide range of mortgage options to suit your needs. Our team will work closely with you to explore different loan programs and find the best solution that fits your financial goals.

Competitive Rates

We understand that the interest rate plays a crucial role in your mortgage decision. As a trusted mortgage company in Memphis, TN, we strive to offer competitive rates that help you save money over the life of your loan. Our team will diligently search for the best rates available in the market and present you with options that fit your budget.

Personalized Service

At Mortgage Financial Services, we believe in building strong relationships with our clients. We take the time to understand your unique circumstances and financial goals, allowing us to provide personalized solutions tailored to your needs. Our dedicated team will guide you through every step of the mortgage process, ensuring a smooth and stress-free experience.

Quick and Efficient Process

We understand that time is of the essence when it comes to securing a mortgage. Our streamlined process and efficient operations ensure that your mortgage application is processed promptly. We are committed to providing timely updates and transparent communication throughout the entire process.

Contact Mortgage Financial Services Today!

If you are looking for a reliable and trusted mortgage company in Memphis, TN, look no further than Mortgage Financial Services. Our team of experts is ready to assist you in achieving your homeownership dreams. Contact us today to schedule a consultation and take the first step towards finding the perfect mortgage solution for you.

Mortgage FAQs

To qualify for a mortgage, lenders typically look at factors such as your credit score, income, employment history, and debt-to-income ratio. They want to ensure that you have the financial means to repay the loan.

A fixed-rate mortgage has an interest rate that remains the same throughout the life of the loan, providing stable monthly payments. An adjustable-rate mortgage (ARM) has an interest rate that can change over time, usually after an initial fixed-rate period. This means that your monthly payments could increase or decrease depending on market conditions.

The amount you need for a down payment can vary depending on the lender and the type of mortgage. Generally, a down payment of 20% of the purchase price is recommended to avoid private mortgage insurance (PMI). However, there are options available for lower down payments, such as FHA loans that require as little as 3.5% down. VA loans as well as USDA loans require no down payments. MFS also has down payment assistance (DPA) programs available upon eligibility.

Private mortgage insurance (PMI) is a type of insurance that protects the lender in case the borrower defaults on the loan. It is typically required for borrowers who make a down payment of less than 20%. PMI is an additional cost that is added to your monthly mortgage payment.

A pre-approval is a process where a lender evaluates your financial information and credit history to determine how much they are willing to lend you. It gives you a better idea of your budget when shopping for a home and can make you a more attractive buyer to sellers.

The timeline for getting a mortgage can vary depending on factors such as the lender, your financial situation, and the complexity of the loan. On average, it can take anywhere from 30 to 45 days from application to closing. However, it’s important to start the process early and be prepared for potential delays.

A mortgage escrow account is an account set up by the lender to hold funds for property taxes and homeowners insurance. Each month, a portion of your mortgage payment goes into the escrow account, and when these bills are due, the lender pays them on your behalf.

Proudly serving Little Rock, AR and Memphis, TN.

I’m here to answer any questions you might have about our products and services. Feel free to contact me using any of the following methods:

Business Hours:

Monday – Friday: 9AM – 5PM

Saturday-Sunday: Closed

Jennifer Ballheimer

RMLO NMLS 143750
p. (501) 472-8109

Get In Touch

Client Reviews

  • K

    Kyle Goodwin

    Posted On: 2025-04-01

    Rating: 5.0

    for: Jennifer Ballheimer-Mortgage Financial Services

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    Review: Jennifer and her team were the best! We used them twice now to buy an home and as long as she stays in the business we will use her services again.

    Reply: Thank you, Kyle, for your glowing review! We are thrilled to hear that you had such a positive experience working with Jennifer and our team at Mortgage Financial Services. We look forward to assisting you with any future needs.

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    Jennifer Puckett

    Posted On: 2025-04-01

    Rating: 5.0

    for: Jennifer Ballheimer-Mortgage Financial Services

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    Review: Jennifer made my mortgage process so easy!!! She is amazing at what she does!!! You are in excellent hands working with her!!! 😁

    Reply: I'm thrilled to hear that your mortgage process was smooth and easy. It was a pleasure assisting you, and I appreciate your kind words and trust in my services.

  • D

    drew rainey

    Posted On: 2025-04-01

    Rating: 5.0

    for: Jennifer Ballheimer-Mortgage Financial Services

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    Reply: Thank you for the perfect rating, Drew. We are thrilled to know that your experience with Mortgage Financial Services was excellent. Your satisfaction is our priority, and we appreciate your feedback. If there's anything more we can do for you, please don't hesitate to reach out.

  • K

    Kristen McPherson

    Posted On: 2025-04-01

    Rating: 5.0

    for: Jennifer Ballheimer-Mortgage Financial Services

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    Reply: I'm thrilled to hear that you had a positive experience with Mortgage Financial Services. It was a pleasure working with you, and I'm grateful for your kind words. If you have any further questions or need assistance in the future, please don't hesitate to reach out.

  • C

    Cynthia Burnett

    Posted On: 2025-04-01

    Rating: 5.0

    for: Jennifer Ballheimer-Mortgage Financial Services

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    Review: Over my 24 years of being a Realtor, I can honestly say that Jennifer Ballheimer is most definitely the best Mortgage Lender I have worked with on the Buyers or Sellers side. Her professional skills are amazing because she can work the same way with a small piece of land to a large new construction home loan. I look forward to working with her for a long time.

    Reply: I'm thrilled to hear such positive feedback from a seasoned Realtor like yourself. It has been a pleasure to collaborate with you, and I'm glad that my approach aligns with your professional expectations, whether for a small piece of land or a large new construction home. I look forward to continuing our successful partnership in the future. Thank you for your kind words.

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