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
Shahab
Cordova, TN
Posted On: 2025-11-13
Review: Great communication and willingness to share the details for me to make informed decisions
Reply: I'm glad you appreciated the communication and detail-sharing, Shahab. It's important to me that you feel well-informed and confident in your decisions. If you need any further assistance or have more questions, I'm here to help. Thank you for your review!
Leah
Star City, AR
Posted On: 2025-11-11
Review: We had many obstacles to wade through A lot of patience and perseverance and we have achieved what we set out to do Many thanks to all involved
Reply: Leah, it sounds like the journey had its challenges, but I'm glad to hear that patience and perseverance paid off. I’m pleased we could help you achieve your goals. If there's anything more I can assist you with in the future, please don't hesitate to reach out. Thank you for your feedback!
Veatrice Viola
Pine Bluff, AR
Posted On: 2025-11-11
Review: From the beginning to the end we were well informed of each step that needed to be taken. We definitely could not have done this without every phone call and emails instructing us on deadlines and loan processing. Thank you Jennifer and your team for all that you did for us ❤️ we are ever so grateful!!!
Reply: I'm grateful for your thoughtful review, Veatrice. It’s wonderful to know that you felt well-informed during the entire process. Keeping communication clear with phone calls and emails is a priority for me, so I'm glad it helped. If you have any more questions or need assistance in the future, feel free to reach out. Thank you once again for your kind words!
Darrell Louis
Pine Bluff, AR
Posted On: 2025-11-11
Review: I am a first time home buyer and l did not know the small nuances of the home buying process. Jennifer and her staff educated us every step of the way to closing. They are honest and professional and answered every question that we had without being bothered by those questions. I would highly recommend Mortgage Financial Services to any perspective home buyer. They treat you like family.
Reply: It's wonderful to know that your first home-buying experience was positive and informative. My goal is to ensure you feel well-informed and comfortable throughout the process, so I'm glad that you felt this way. If you have any more questions in the future or need further assistance, please feel free to reach out. Thank you for recommending Mortgage Financial Services.
Benjamin S
Pine Bluff, AR
Posted On: 2025-11-04
Review: Quick and easy. Communication was great. Better experience than dealing with a everyday bank like we originally did and didn't go through with it. Would recommend to anyone looking for a loan.
Reply: I appreciate you taking the time to share your experience, Benjamin. It's rewarding to know that the communication met your expectations and that the process felt quick and easy compared to your previous encounters. Thank you for your recommendation. If there's ever anything more I can do for you, please don't hesitate to reach out.
