Toni is an experienced mortgage professional at Mortgage Warehouse, with over a decade of expertise in client relations, family offices and financial services. She joined the company in 2020, where she continues to use her knowledge to provide top-tier mortgage solutions to her clients. Toni holds the Accredited Asset Management Specialist℠ (AAMS®) designation, which she earned in 2018 from the College for Financial Planning, and completed the National S.A.F.E. Mortgage Exam in 2020, further solidifying her deep understanding of the mortgage industry.

With a passion for delivering exceptional service, Toni is highly regarded for her patience, attentiveness, and meticulous attention to detail. She is dedicated to ensuring that each client has a smooth, stress-free mortgage experience. Toni’s approach revolves around building lasting relationships based on trust, transparency, and personalized guidance. Whether working with first-time homebuyers, homeowners refinancing, or clients seeking more complex mortgage solutions, Toni is committed to guiding each client through every step of the process with care and professionalism.

Toni is known for her dedication to exceptional service and patience. She ensures that each client has a smooth and stress-free mortgage experience. Her client-focused approach focuses on building long-lasting relationships based on trust, transparency, and personalized guidance. Whether working with first-time homebuyers, homeowners refinancing, or clients seeking more investment properties. Toni is committed to guiding each client through every step of the process with care and professionalism.

Toni resides in Southwest Florida with her husband and their Labrador. Outside of work, she enjoys exploring interior design, fishing, and relaxing at the beach. As an avid animal lover, she also cherishes quality time with her family and furry companion, maintaining a well-rounded balance between her professional and personal life.

NMLS ID # 2080027

John Bollinger is a Senior Loan Originator at Mortgage Warehouse, serving Louisville, KY, Jefferson, Bullitt, Oldham, and Nelson Counties, as well as Indiana and Florida. With over 30 years of lending experience—including 23+ years in mortgage origination— Since 2001, John has successfully closed over $500 million in loan volume. He specializes in FHA, VA, USDA, and Conventional loans, offering some of the best mortgage rates in Kentucky, Indiana, and Florida.

As one of the few loan originators who is also a Dave Ramsey Master Financial Coach, John provides expert mortgage guidance rooted in financial responsibility and smart homeownership principles. Whether you’re a first-time homebuyer, refinancing, purchasing a second home, or investing in real estate, John is committed to helping you secure the right loan at the best rate.

Best Mortgage Rates & Loan Options in KY, IN & FL

• FHA Loans – Low down payment options for first-time homebuyers
• VA Loans – Exclusive benefits for veterans and active-duty military
• USDA Loans – Zero-down financing for eligible rural and suburban homebuyers
• Conventional Loans – Competitive rates for well-qualified borrowers
• New Construction Loans – Financing solutions for building your dream home
• Second Home Loans – Affordable mortgage options for vacation homes
• Investment Property Loans – Financing for rental properties and real estate investments
• Mortgage Refinancing – Lower your rate, reduce payments, or access home equity
• First-Time Homebuyer Loans – Expert guidance for first-time buyers in Kentucky, Indiana & Florida
• Financial Coaching for Homebuyers – Smart mortgage planning based on Dave Ramsey principles

Professional Experience & Achievements

• Over $500 million in funded loans
• Best mortgage rates in Kentucky, Indiana & Florida
• Second home and investment property loan expert
• FHA, VA, USDA, and Conventional Loan Specialist
• Dave Ramsey Master Financial Coach – Helping clients make smart mortgage decisions
• Joined Mortgage Warehouse in 2011 to provide in-house underwriting, processing, and funding for faster closings

Your Trusted Mortgage & Investment Property Loan Expert

At Mortgage Warehouse, John helps clients in Louisville, KY, Jefferson, Bullitt, Oldham, and Nelson Counties, as well as Indiana and Florida, secure the lowest mortgage rates with fast approvals and expert guidance.

Looking for the best mortgage rates in Kentucky, Indiana, or Florida? Contact John Bollinger today to explore your financing options!

NMLS # 111708