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Jennifer Ballheimer, Scott Taylor & Keith Carlson
RMLO NMLS 143750 / RMLO ID 1083832 / RMLO ID 935853

o: (501) 812-5626
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5201 Jerry Drive,
Little Rock, AR 72223
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PNL Privacy Policy

Important Information Regarding Privacy

Below is information regarding our privacy policy. Please take a moment to read carefully.

Thank you for visiting our website. This statement (the “Privacy Policy”) explains the collection, use, and disclosure of personal and non-personal identification information by NTFN, a Texas corporation (“NTFN”), from users of the www.ntfn.com website (together with all sub-domains thereof, the “Site”). This Privacy Policy applies only to the Site and the products and services offered by NTFN on the Site.

Personal Identification Information

We collect personal identification information from you in a variety of ways, including, but not limited to, when you visit our Site, register on the Site, apply for a loan, subscribe to the newsletter, respond to a survey, fill out a form, make a payment, and in connection with other activities, services, features, or resources we make available on our Site, as well as in ways other than through our Site, such a when you send us a fax, through phone calls with us, or e-mails to us. [We also collect personal identification information about you, when authorized, from certain third parties such as appraisers, real estate agents or brokers, insurance agencies, credit bureaus and credit card processors.]  As used in this Privacy Policy, “personal identification information” means information that would allow a party to identify you, which includes, for example, your name, e-mail address, mailing address, phone number, social security number, income or other financial information (such as account balances, payment history, credit history, and credit scores), or credit card information. You may, however, visit our Site anonymously. We will collect personal identification information from you only if you voluntarily submit such information to us. You can always refuse to supply personal identification information, except that it may prevent you from engaging in certain Site-related activities, products, or services.

Non-personal Identification Information

We collect non-personal identification information about you whenever you interact with our Site. Non-personal identification information may include, but is not limited to, the browser name, the type of computer and technical information about your means of connection to our Site, such as your operating system, internet service provider, URL of previous websites you visited, aggregated and de-identified data, search terms, clicked links, and other similar information.

Web Browser Cookies

Our Site uses “cookies” to enhance your experience; both “session” cookies, which expire when you close your browser, and “persistent” cookies, which remain on your hard drive for an extended period of time. Your web browser places cookies on your computer’s hard drive for record-keeping purposes and to track and store information about your preferences for a particular website. You may choose to set your web browser to refuse cookies, or to alert you when cookies are being sent. If you do so, note that some parts of the Site may not function properly.

How we use collected information

NTFN collects and uses your personal and non-personal identification information for the following purposes:

• To Improve Our Site

We continually strive to improve our Site offerings based on the information and feedback we receive from you.

• To Improve Customer Service

Your information helps us to more effectively respond to your customer service requests and support needs.

• To Process Transactions, Including Payments

We use the personal identification information you provide to us through the Site when making a payment or engaging in a transaction in order to process and provide services to that payment or transaction. We disclose your personal identification information to a carefully selected group of third parties that assist us in providing services or processing payments made through the Site.

• To Send Periodic E-Mails

The e-mail address you provide for order processing will only be used to send you information and updates pertaining to your transaction or payment. It may also be used to respond to your inquiries and/or other requests or questions. If you decide to opt-in to our mailing list you will receive e-mails that may include company news, updates, related product or service information, etc. If at any time you would like to unsubscribe from receiving future e-mails, we include detailed unsubscribe instructions at the bottom of each e-mail or you may contact us via our Site or as indicated in the “Contacting Us” section below.

How we protect your information

We adopt appropriate data collection, storage and processing practices and security measures to protect against unauthorized access, alteration, disclosure or destruction of your personal information, username, password, transaction information and data stored on our Site.  [We encrypt your social security number, account numbers, and credit card number using secure sockets layer technology (SSL).]

Our Site is in compliance with PCI vulnerability standards in order to create as secure of an environment as possible for you when using our Site.

Notwithstanding the foregoing, no method of transmission over the internet or method of electronic storage is 100% secure, and we cannot guarantee absolute security.

Sharing your personal identification information

We do not sell, trade, or rent your personal identification information to others. We do not sell e-mail lists or customer lists to third parties. We share generic aggregated demographic non-personal information regarding visitors and users with our business partners, trusted affiliates, and advertisers, for the purposes outlined above. [We do not link aggregated demographic non-personal information with personal identification information].

We share your personal identification information with carefully selected third parties that help us provide, maintain, and improve the Site and the services and products we offer, or that provide us with marketing or other business services, and such third parties have access to your personal identification information in order to perform their services.  [These third parties may include but are not limited to financial service providers such as insurance companies or payment or data processing companies, and marketing companies or other business services.]  We share your personal identification information with outside third parties only to the extent necessary to process or administer your transaction, process your payment, or permit such third parties to provide marketing or other services to us. We ensure that such service providers are contractually obligated to keep your personal identification information confidential and use it only for the purpose for which we have contracted with such third party.

We also share your personal identification information with those entities with whom we in good faith believe we are required to do so by law. This information may include, but is not limited to, your name, address, social security number, and any other information you provide to us on any form or field on the Site.

Third Party Websites

You may find advertising or other content on our Site that link to the websites and services of our partners, suppliers, advertisers, sponsors, licensors, and other third parties. We do not control the content or links that appear on these websites and are not responsible for the content of or privacy practices employed by websites linked to or from our Site. In addition, these websites or services, including their content and links, may be constantly changing. This Privacy Policy does not apply when you have access to third party websites. Those sites and services may have their own privacy policies and customer service policies. Browsing and interaction on any other website, including websites which have a link to our Site, is subject to that website’s own terms and policies.

Children

The Site is not directed at children under the age of 13. Consistent with the federal Children’s Online Privacy Protection Act of 1998, we will never knowingly request, collect, or use personal identification information from anyone we know to be under the age of 13 without requiring parental consent. Further, we will delete any information in our database that we know originates from a child under the age of 13. Any person who provides their personal identification information to NTFN through the Site represents that they are 13 years of age or older.

California Privacy Rights

California Civil Code Section 1798.83 permits our customers who are California residents to request and obtain from us once a year, free of charge, information about the personal identification information (if any) we disclosed to third parties for direct marketing purposes in the preceding calendar year. If applicable, this information would include a list of the categories of personal identification information that was shared and the names and addresses of all third parties with which we shared information in the immediately preceding calendar year. If you are a California resident and would like to make such a request, please submit your request in writing as indicated in the “Contacting Us” section below.

Special Note to International Users

The Site is hosted in the United States. If you are accessing the Site from the European Union, Asia, or any other region with laws or regulations governing personal data collection, use, and disclosure that differ from U.S. laws, please note that you are transferring your personal identification information to the United States, which does not have the same data protection laws as the EU and other regions. By providing your personal identification information you consent to: (i) the use of your personal identification information for the uses identified above in accordance with this Privacy Policy and (ii) the transfer of your personal identification information to the United States as indicated above.

Changes to this Privacy Policy

NTFN reserves the right to change or update this Privacy Policy at any time. When we do, we will revise the updated date at the bottom of this page. Any changes to this Privacy Policy will become effective when we post the revised date on the Site. We encourage you to frequently check this page for any changes to stay informed about how we are helping to protect the personal and non-personal identification information we collect. You acknowledge and agree that it is your responsibility to review this Privacy Policy periodically and become aware of modifications.

Your Acceptance of these Terms

By accessing and using this Site, you signify your acceptance of this Privacy Policy. If you do not agree to this Privacy Policy, please do not use our Site. Your continued use of the Site following the posting of changes to this Privacy Policy will be deemed your acceptance of those changes. By accessing and using this Site, you also agree to receive the annual notice regarding our Privacy Policy here via the Site.

Changing or Updating Your Information

If at any time you wish to verify, correct, change, or remove your personal information, you may correct, update, delete or deactivate it by contacting us at the address, phone number or e-mail address indicated in the “Contacting Us” section below.

Contacting Us

If you have any questions about this Privacy Policy, would like to make changes to your Privacy Preferences, the practices of this Site, or your dealings with this Site, please contact us at:

NTFN, Inc.
Compliance Department
Compliance Manager
700 State Hwy. Bypass, Suite 100
Lewisville, Texas 75067
1.866.831.5111
Compliance@ntfn.com

Last updated: April 16, 2018

Residential Mortgage Loan Originators

While we have available all of the typical loan products such as FHA, VA, Conventional and USDA and many Down Payment Assistance products, where we differentiate ourselves from other Mortgage Loan Officers, is by staying focused on providing excellent client service.

As dedicated mortgage professionals, we will be there for you every step of the home buying process. From selecting the right home loan product that suits your life stage and financial means, to providing real-time loan status and communication between you, your real estate agent, the title company and our office, to being able to answer all of your questions during the life of your mortgage, we are committed to making you feel you are our #1 priority!


Loan Center

Checklist

What you will need to ensure a smooth home mortgage process.

Loan Options

There are several loan options available when purchasing a home.

Down Payment Assistance

Find out more about special programs and who qualifies.

Calculator

Wondering how much you can finance?

Testimonials

As a closer/Manager at a title company for over 12 years, I have had firsthand knowledge of the difference in the home purchasing experience when a buyer has a “good” lender and well, the ones that are not so good. So when it came time for my son to buy his first home, of course I wanted the BEST for them. They got that with Jennifer Ballheimer. I previously had worked with Jennifer on other loan closings. She was pleasant to work with, kept me informed of progress, closed on time and her customers were happy when they got to me which made my job easier. We were kept informed of every step on my son’s home purchase. All of it was handled by email/phone and it could not have gone easier or more pleasant. My nephew and wife are now using Jennifer for their home purchase. Thank you Jennifer, you are awesome!

Sherrie P., Pine Bluff, AR

My husband and I considered/ desired to purchase a home for quite some time, but the horror stories concerning the process caused us to remain hesitant. (As well as working with others who sorta “dropped us” along the way). I made a comment to a local realtor concerning my fears, and she assured me that she knew of someone who would make the process not only painless, but a worthwhile experience. I must say I was pleasantly surprised. I called and got her right away and within 24 hours she told me exactly what we needed to do. To have someone to work with that ALWAYS answered our phone calls and responded to emails within minutes was awesome within itself. She was eager to help and made us feel comfortable in asking questions that may have seemed trivial to most people and was not at all restricted to the 9-5 timeframe and never made us feel as though we were intruding on her “personal” time. Once we found a home that we absolutely LOVED, we closed in approximately 3 weeks. She is simply a joy to work with, her professionalism is impeccable, and it is evident that it’s because she genuinely cares about those who are depending on her to assist in what could be a very stressful process.

William and Tonya S., Pine Bluff, AR

Jennifer Ballheimer came highly recommended by my father-in-law and I can tell you that I now know why. Jennifer is extremely knowledgeable and has the uncanny ability to answer questions in the way that those that may not be mortgage professionals can understand. Her prompt responses to my questions and individual attention to my concerns made me feel like I was the only customer she was working with. She is very well organized and detail oriented while makes the entire process virtually stress-free. I would give her a A+++ rating because of her dedication to be a customer service minded professional!

Clint S., Little Rock, AR

I would like to brag about the experience I had with working with Jennifer Ballheimer. Jennifer quickly preapproved us and would call to check in with us from time to time to see how our home search was going. We found a house we wanted, but it was not with a realtor. I called Jennifer and she said it was no problem, that she could walk me through the loan process. Due to me being on the road and away from phone access, it was great to communicate through email. We ask what felt like 100s of questions and Jennifer never hesitated to answer any questions promptly and in a way any “lay-person” would understand.

Jason & Ashley B., Rison, AR

I am very detailed and particular when it comes to business and I don’t miss much. You are vey detailed and don’t miss ANTYHYING! I just wanted to let you know how much I appreciated your help in making yourself always easy to contact. You are a consummate professional and know your job very well. If I need some type of mortgage service in the future you will be the first person I contact.

William P., Pine Bluff, AR

Especially for "first time" home buyers, our experience with Jennifer was very impressive. Whenever Jennifer needed something she would get me a "list" of everything needed instead of going back and forth. And, if we needed something we could call her at any given time and she would answer or call me back. Again, we were extremely pleased with her attitude and her knowledge and kindness throughout this whole process which made it less stressful for us! We really appreciated everything Jennifer did for us so we recommended her to a friend of ours and they used her as well and he was very pleased with her too. It's been a year and I still have her card on my refrigerator. Thanks Jennifer

James and Lora B., Rison, AR

A co-worker recommended Mrs. Jennifer Ballheimer to us as we started the process of purchasing our first home. We have tried other banks and brokers but had no luck since we were just over the credit threshold but had a good income to debt ratio. We got pre-approved within hours of submitting the application and the started the process. Mrs. Jennifer kept us informed with every aspect of the loan process. I communicated everything via email with her since I have a busy job and figured emails was best since it kept a trail of every question and document. I would highly recommend Jennifer for your housing financial needs.

Levi A., Little Rock, AR

Our recent experience buying a house was certainly a challenge with all the new rules in place on getting a mortgage. Jennifer made this challenge as smooth as anything we ever experienced. Her attention to detail and her attention to schedules for getting things accomplished certainly impressed us very much. She left “no stone unturned” as we completed all the documents for closing day. That became clear as the underwriters breezed through all the documents in a few short days. Jennifer came highly recommended by our real estate agent and we certainly were thankful for the recommendation.

Gerald & Sue M., Fairfield Bay, AR

Jennifer Ballheimer was very knowledgeable and helpful during the purchase of our new home. She always responded immediately to any concerns or questions we may have had. The closing was performed quickly and was made convenient with our work schedules. She was a great pleasure to work with!

Charles & Marisa H., Pine Bluff, AR

A Co-worker recommended Jennifer to me when my husband and I were looking to refinance our and especially remarked on the seed and efficiency we were sure to experience. We were not disappointed. Jennifer was quick to reply to all our questions and communicated quickly via email. It made the process easy for me to accomplish during the work day. The only trip I had to make was to closing. Jennifer took time to explain all our options/scenarios to us in a way that was easy for us to understand and made the right decision. Months later I needed a form to file our taxes and Jennifer emailed it to me within minutes! I would recommend Jennifer to anyone looking to refinance or purchase a home.

Amanda A., Little Rock, AR

I recently purchased a home with the help of Jennifer Ballheimer. It was basically effortless on my part. I was out of the country for more than half the transaction and I was amazed at the response time to my emails day or night. If there were any delays with inspectors, title companies etc she would email them daily and attaché my email so I would always know what was going on. My credit score was a little less than average and she was quick to get me the best rate and loan that suited me. I would definitely recommend Jennifer to anyone without a second thought!

Greg H., Pine Bluff, AR

To have a loan officer like Jennifer is having someone on your team that is a comprehensive, knowledgeable person. I say that Jennifer is a live working knowledge of what works for each individual she meets. I recommend Jennifer to make all my dreams and friends’ dreams come true.

Willie & Shirley A., Pine Bluff, AR

I dreaded refinancing my house, but Jennifer took care of everything. I never had to leave the house! She emailed all the documents and whisked me through the process. My house payment went down by $200 a month. I'm so gad I did it.

Jim and Laura F., Little Rock, AR

I was referred to Jennifer to buy my first home. I have always heard that buying a home was one of the most stressful events to go through. Going into it with that on my mind I was completely amazed over how stress free and easy it was for me. Being in the military and traveling all the time made my whole process via email or phone. I was updated every time there was a change and randomly just to let me know what was going on. She explained things to me in words that even I would understand. I had a deadline and she beat it by 5 days. I would highly recommend to everyone.

Clifton D., Sheridan, AR

I just wanted to take a moment to praise you for your hard work for helping us purchase our first home. It was scary and carried a lot of uncertainty, but you guided us masterfully through the process. All we had to do we keep calm and wait for closing. From the moment we started talking; you diligently pursued our preapproval and then continued working hard until the moment our papers were signed. I cannot say enough how much we appreciated your availability how quickly you responded to email/phone calls and the extra mile to make sure we were taken care of fairly.

Jonathan E., Cabot AR

Jennifer Ballheimer guided my husband and I into our new home back in 2007. We have since refinanced our home twice with her. Anytime interest rates would drop, Jennifer informed us. She went above and beyond to get us the best results. We had a TON of questions and she patiently answered them all. I would recommend anyone to her.

J.T and Lakeia L., Little Rock, AR

We recently purchased what we consider our dream home. We were referred to Jennifer by our real estate agent. We didn’t have the perfect file and background to work with, but Jennifer really worked with us. She gave us tips that improved my husband’s credit and offered to help my brother out who was purchasing the home we were selling. She was always good with getting right back to me and staying on top of our process. I would recommend her to anyone purchasing a home.

Amber & Jeremy O., Rison, AR

I have worked with Jennifer Ballheimer on more than one occasion and have always had a positive experience. Jennifer is very knowledgably about the process, easy to work with and extremely professional. She kept me informed in each step of the process and quick to respond to all calls and questions. This process went very smoothly and I didn’t have to do anything other than provide Jennifer with the information she asked for. I just had to show up to closing. I have recommended both family and friends to her and will continue to do so.

Shelly D., Conway, AR

I am a first time home owner thanks to Jennifer Ballheimer. My experience with Jennifer was amazing. She took me under her arms and showed/informed me of everything I needed to know as a first time home buyer. Her showing me the do’s and don’ts helped me out a lot. My credit score was not the best when I came to Jennifer, but she gave me pointers to get my score up. Even after all that, she made it so I didn’t have to spend a dime out of my pocket a closing. There is no doubt in my mind that I would definitely recommend Jennifer to anyone buying a home.

Herbert B., Little Rock, AR

Jennifer is an absolute angel!! She helped us purchase/finance our new home. Any questions we had, she was quick to answer us & in a way we could easily understand. This is the first home my mom has purchased & we were not very knowledgeable of what to do, but Jennifer made an overwhelming situation very simple for us! We will recommend Jennifer to everyone we know! Thank you & God bless!

Nancy A., Pine Bluff, AR

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