Your Dream Home,
Our Dream Team
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
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: 8:30AM – 5:30PM
Saturday-Sunday: Closed
Jennifer Ballheimer
RMLO NMLS 143750
p. (501) 472-8109
Get In Touch
Client Reviews
Randi
Olive Branch, MS
Posted On: 2025-12-22
Review: Process was smooth, with no problems
Reply: It's great to know that you found the process smooth and hassle-free, Randi. I'm always here if you need any further assistance or have more questions down the road. Thank you for your feedback!
Nikita
Olive Branch, MS
Posted On: 2025-12-21
Review: Jennifer and her team are top notch! From the initial introduction through closing she made sure we were informed and answered all of our questions. They made this experience so enjoyable and easy. They were concise while being efficient and thorough. 1 million thank yous would not be enough!
Reply: Nikita, I appreciate your feedback so much. I'm delighted to know you felt informed and supported from start to finish. Making the process enjoyable and straightforward for you is my priority. Thank you for your kind words, and if you have any more questions or need assistance in the future, feel free to contact me.
D Champagne
Posted On: 2025-12-23
Review: Jennifer and her team helped my family achieve what seemed impossible. She made everything easy to understand and each request was simple. She is the nicest and most encouraging Loan Officer I've ever met! Her and her team really are the best! They made me feel like no question was a dumb question and if I ever had a concern they would make sure to address it. I wish I could put into words how thankful I am for her and her team for helping us purchase our first home. If I had to recommend anyone to help guide a friend or family member to purchase a home, it would definitely be Jennifer!
Reply: It means a lot to know that I was able to help your family in such a memorable way. Making the process clear and straightforward, while addressing any concerns or questions you had, is always my focus. Your kind words about your experience are deeply appreciated. It's great to hear that you'd recommend my services to others, and if you ever need assistance in the future, don't hesitate to reach out. Thank you for taking the time to share your experience!
Dusty
Forrest City, AR
Posted On: 2025-12-21
Review: Jennifer and her team helped my family achieve what seemed impossible. She made everything easy to understand and each request was simple. She is the nicest and most encouraging Loan Officer I've ever met! Her and her team really are the best! They made me feel like no question was a dumb question and if I ever had a concern they would make sure to address it. I wish I could put into words how thankful I am for her and her team for helping us purchase our first home. If I had to recommend anyone to help guide a friend or family member to purchase a home, it would definitely be Jennifer!
Reply: Dusty, I’m truly moved by your kind words and am so glad that I could assist you and your family in purchasing your first home. Making sure you felt comfortable with the process and free to ask any question was a priority for me. It’s gratifying to hear that my team and I could make this experience positive for you. If there’s ever anything more I can do for you or your family in the future, please don’t hesitate to reach out. Thank you for your recommendation!
Nikita Pryor
Posted On: 2025-12-23
Review: I can not express enough how thankful we are for Jennifer and her team! From the initial conversation, to every single question we had, and even during closing today she has been AMAZING! So thankful for making this connection, you all have been a God send!
Reply: I'm grateful for your heartfelt words, Nikita. It was a pleasure to guide you and address all your questions from our first meeting to closing day. I'm glad to have been a part of your journey, and I'm here for any future needs or questions you may have. Thank you for the trust you've placed in me and Mortgage Financial Services.
