JODY Ballard Nmls#1170908

01/19/2026

Mortgage interest rates are trending downward, presenting exciting opportunities for homeowners. This is an ideal time to consider refinancing, accessing equity for investments, or even exploring Reverse Mortgages for those aged 58+. Let's connect for a no-pressure conversation about how these changes could enhance your financial situation.
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Email from Kappel Mortgage Group You don't want to miss this.   Rates Are Dropping Again — This Could Be Your Chance Hi, I wanted to reach out personally because mortgage interest rates have started t

01/17/2026

The California DROP Program empowers individuals to take control of their personal data by allowing them to opt out of data sales and request deletion from brokers. This initiative not only helps reduce spam and unwanted communications but also enhances privacy and security. It’s essential for consumers to be informed about their rights regarding data privacy. For more insights on protecting your identity and managing your information, consider exploring the DROP Program.

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Email from Kappel Mortgage Group You don't want to miss this.     Happy 2026! Did you know that hundreds of companies are buying, selling, and trading your personal information every day — including y

12/31/2025

The holiday season seems to come and go faster and faster each passing year — all the more reason to live this season to its fullest. Happy New Year!

12/28/2025

If you can afford monthly rent, there's a good chance you can afford to buy a home — especially with first-time homebuyer programs and low down payment options. I can tell you more about both. Call or DM me.

12/24/2025

Here’s hoping your home is merry, bright and filled with love and laughter.

12/17/2025

Self-employment should mean freedom, not limitations. That's why I offer loan options that allow you to use your bank statements as proof of income. Call me today!

12/15/2025

May the glow of each candle make your heart and home happy.

12/11/2025

If you're buying a home but don't plan to stay forever, consider an adjustable-rate mortgage (ARM). You'll get a lower initial rate until you sell or refinance — potentially saving even more money if rates go down. Call today!

12/11/2025

Did you know you could access up to 89.99% of your home's equity with a cash-out refinance (without adding mortgage insurance)? It's a great way to get the extra funds you need. Call me today to learn how!

12/09/2025

It doesn't take much to purchase the home of your dreams! With a 3% down payment,* you could make it happen! Call me today.

12/07/2025

An appraisal waiver allows qualified homebuyers to skip the in-person appraisal process and save on the appraisal fee. Instead, the home’s value is determined by other data, like recent home sales in the neighborhood. Want to learn if your property qualifies? DM me!

12/06/2025

If your apartment is too small for all of the holiday spirit you have to offer, it might be the perfect time to buy. Call me today to get started, and you may be in your own wonderland before the season is through!