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: 9AM – 5PM
Saturday-Sunday: Closed
Jennifer Ballheimer
RMLO NMLS 143750
p. (501) 472-8109
Get In Touch
Client Reviews
Courtney D
Pine Bluff, AR
Posted On: 2025-07-10
Review: This was my first time ever buying a house and Jennifer made it so easy . She always communicated with me at any time of the day she made sure I got the best deal ever. I really appreciate the time she took out with me to make sure this process was smooth .
Reply: I'm really glad to hear that your first home buying experience went smoothly, Courtney. It was important to me to ensure that you felt supported and informed every step of the way. I'm pleased that I could help you secure a great deal and provide communication whenever you needed it. Thank you for trusting me with such an important milestone, and if you ever have more questions in the future, I'm here to help.
Courtney Bracey
Posted On: 2025-07-10
Review: I’m a first time homebuyer and Jennifer and Brandy made the process sooo so easy . I recommend them to anyone who wants to start the process.
Reply: I'm thrilled to hear that as a first-time homebuyer, you found the process with Brandi and me easy. Your recommendation is deeply appreciated, and I'm grateful for the opportunity to help you on this important journey. If you have any more questions or need further assistance, don't hesitate to reach out. Wishing you happiness in your new home!
Zack
Posted On: 2025-07-10
Review: They are really fast and also communicate is really quick, I will definitely recommend anyone to them!
Reply: Thank you, Zack, for taking the time to share your experience. I'm glad to hear that you found the process quick and communication effective. Your willingness to recommend my services is greatly valued. If you need any assistance or have questions in the future, feel free to get in touch.
Haley
White Hall, AR
Posted On: 2025-07-09
Review: Jennifer and Brandi were amazing from start to finish! They were so helpful and professiona! They took such care with us, answered every question and prepared us for every step! I would HIGHLY recommend them to any and every one!
Reply: Thank you, Haley, for your thoughtful review! I'm so pleased to hear that both Brandi and I could provide the support and guidance you needed throughout the process. It's truly rewarding to know we met your expectations. Your recommendation means a lot to me. Please feel free to reach out if you have any more questions or need assistance in the future.
Haley Scroggins
Posted On: 2025-07-10
Review: Jennifer and her team were AMAZING to work with! She is extremely talented at what she does and got us taken care of quickly! She and her team were there for us every step of the way and we couldn't have asked for a better experience! HIGHLY RECOMMEND!!!
Reply: Thank you so much, Haley, for your wonderful feedback. I'm delighted to hear that you had such a positive experience working with me and my team. It's important to me that we were able to assist you promptly and support you throughout the entire process. Your high recommendation truly means a lot. If you ever need further assistance or have any questions down the line, please feel free to reach out.
