Jackie Ball
Loan Officer
NMLS#
2067051
Branch Address
Philadelphia, PA
Phone
Cell: 267-322-1298
Social
Jackie Ball is a dynamic force in the real estate and mortgage industries, bringing a wealth of knowledge and experience to every transaction. With a career spanning real estate sales, mortgage origination, and project management for investors, she is a trusted resource for clients at every stage of their homeownership journey. In other words, Jackie is all things real estate!
As both a Loan Officer with MiMutual Mortgage and a licensed Realtor, Jackie offers a seamless, full-service approach for her clients.
For many years, Jackie worked as a healthcare executive building contracts across Pennsylvania and the Mid-Atlantic area. However, her passion for real estate led her to become a licensed Realtor in 2016, and by 2021, she transitioned into the mortgage industry, earning her Mortgage Loan Originator license.
She specializes in first-time homebuyer programs, self-employed borrower financing, investor-friendly loans like DSCR, and construction lending. The bulk of her clients are in Philadelphia and the surrounding counties of Montgomery, Chester, Bucks, and Delaware as well as the Lehigh Valley.
Beyond her professional achievements, Jackie is deeply committed to community and mentorship. She partners with the Affordable Housing Centers of PA (AHCOPA), educating first-time buyers on navigating the homeownership process. Recently, she was awarded the Top Realtor of the Year award for 2024 by the AHCOPA for closing the most first-time homebuyer purchases among all participating Realtors.
As a member of the Greater Philadelphia Association of Realtors and the National Association of Realtors, she stays engaged with industry trends and advocacy efforts. She is also the owner and operator of L & L Legacy Management Group, LLC, a company that supports real estate investors in managing rehab and construction projects.
Jackie’s personal philosophy is rooted in building relationships, education, trust, and advocacy. Whether guiding buyers, sellers, or investors, she ensures her clients have the knowledge and support they need to build wealth through real estate. A mentor to young women, and founder of networking group Sister to Sister, Jackie believes in lifting others as she climbs. When she’s not working, she enjoys traveling, fitness, gardening, and spending time with family.
Looking for expert guidance on financing your next move? Let Jackie be your go-to resource for all things real estate. Reach out today and take the next step with a trusted professional by your side!
I am here to serve you and to tailor a loan that meets your needs.
Mortgage Programs Explained
There is no one-size-fits-all when it comes to mortgage lending. MiMutual has numerous loan options to fit every budget and situation. At MiMutual Mortgage, you can expect a one-on-one consultation to determine the right loan program for your unique situation.
A Conventional loan is a mortgage not guaranteed by the government. However, most conventional loans will follow the guidelines established by Fannie Mae (FNMA) and Freddie Mac (FHLMC). This type of loan is good for borrowers with a favorable credit score and allows more flexibility in loan terms and higher loan limits.
Unlike FHA, VA or RD loans, conventional loans do not require private mortgage insurance (PMI) unless the borrower has less than 20% down. 20% down however, is not a requirement and some conventional loans allow as little as 3% down! Once the loan reaches 20% equity, PMI can be canceled.
In addition to standard conventional loan programs, MiMutual Mortgage also offers the following niche conventional loan programs:
- Fannie Mae HomeReady
- Freddie Mac Home Possible
- Freddie Mac HomeOne
- Freddie Mac Refi Possible
Government loans are backed by the federal government. The loan is funded or originated by the mortgage company, but has a guarantee from either the Federal Housing Administration (FHA), USDA Rural Development (RD), or US Dept of Veterans Affairs (VA).
Government loans open the door for borrowers that have little to no money saved for a down payment, a challenging credit history or have lower credit scores. Government loans offer easier qualifying requirements and are widely used in the industry.
Government-insured loans can be used for purchase, renovation (through the FHA 203(k) loan), or refinance transactions.
Government loan programs include:
- Federal Housing Administration (FHA)
- USDA Rural Development (RD)
- Veterans Affairs (VA)
The Federal Housing Finance Agency (FHFA) sets a limit on the dollar amount a conventional loan must conform to. Any loans beyond this limit are known as a Jumbo loan. With a Jumbo Loan from MiMutual, you can expand your options and find your dream home that will meet your needs now and in the future.
MiMutual Mortgage offers a number of Jumbo Mortgage Programs to fit a variety of situations. These include Purchase loans, Asset-Qualifier, Rate and Term and Cash-Out Refinance loans.
Highlights include:
- As little as 10% down
- Loan amounts up to $4 Million
- Primary residence, second homes, and investment properties are eligible
Don’t have much saved for a down payment?
We can help with that!
Down Payment Assistance (DPA) can:
- Reduce out of packet cash to close
- Put cash savings to work by improving the home and growing equity
- Free up cash to pay down student loan debt or other bills
- Save cash to start investing for the future
MiMutual Mortgage offers a number of down payment assistance programs including:
- Chenoa Fund DPA for FHA financing
- The National DPA for Conventional financing
- State Housing Finance Authority DPA and MCC
MiMutual Mortgage is a Renovation Loan specialist. We were even featured on the Lifetime Network “Designing Spaces” home design television show! With a Renovation loan, you can bundle the cost of purchasing or refinancing with the cost of renovation into one single loan!
MiMutual Mortgage offers the FHA 203k and Conventional HomeStyle renovation loans. These allow for the same qualifying factors as a traditional FHA or Conventional loan with the ability to lend up to the estimated after-improved value of the home!
Eligible renovations include:
- Small repairs with a minimum renovation cost of $5,000
- Kitchen remodels including appliances
- New roof
- Additions
- New flooring
- Instillation of an in-ground pool
Still not finding what you are looking for?
MiMutual Mortgage has a number of unique loan programs including:
- Qualifying on assets without income
- Real Estate Investor programs including DSCR
- Self-Employed financing options
- Bank statement qualifying
Start Your Mortgage Journey
You are about to begin the mortgage loan application
- Applying on the MiMutual Mortgage Online Loan Application is quick, easy, and secure! The loan application will take about 25 minutes to complete.
- Once your application is submitted, you can log back into the MiMutual Mortgage Online Loan Application to securely upload requested documents, view your loan status, and communicate with your mortgage team.
- If you have questions, reach out to your MiMutual Mortgage Loan Officer.
Your guided mortgage journey starts here!
Start Application