Lisa joined Mortgage Warehouse in 2021 as the Office Manager. She has multiple roles including Payroll, Human Resources, Accounts Payable, maintaining Customer Databases, as well as other responsibilities.
She started her career in the Retail Customer Service industry, then transitioned into working in the Finance and Real Estate sectors over 25 years ago. Lisa’s vast professional knowledge includes experience in retail management, loan processing, residential and commercial real estate sales, property appraisals, document quality control, and senior executive office administration.
Lisa graduated from the University of Rhode Island with a BS in Business Administration and a Minor in Psychology.
Originally from Rhode Island, she and her husband have lived in Florida for over 22 years. She has 2 adult children, 2 grandsons and a cat named Honey. Lisa enjoys going on outings and shopping with her grandkids, traveling, raising monarch butterflies, and entertaining with her family.
Rachelle joined Mortgage Warehouse in September 2020 serving as a Loan Officer Assistant.
Rachelle has had a variety of work experience including the mortgage industry, judicial system, and customer service. Her work ethic, passion for helping people, and commitment to providing accurate and efficient services for her customers are among the value traits she contributes to the Mortgage Warehouse team.
Rachelle is married with three school-age children. In her spare time she enjoys spending time with family and friends. Traveling is also on the top of her list with the beach being her favorite destination.
Chastity Welsh joined Mortgage Warehouse in September 2020 serving part-time as a Loan Processor Assistant.
Chastity has over 10 years of project management and sales experience with two major corporations based in Louisville; Brown & Williamson Tobacco and YUM Brands! Working with these two companies allowed her to expand sales and profits in an assigned geographical area, train sales employees and merchandisers, develop and execute sales strategies and hit target quotas for the brands she represented. She is excited to be working behind the scenes, bringing her business knowledge, attention to detail and work ethic to the mortgage industry.
Chastity attended Otterbein University in Westerville, Ohio to complete her Masters degree in Business. Prior to that she attended the University of Kentucky where she studied marketing.
Chastity and her husband Adam are married with two school-age girls who keep them busy. She also volunteers with Hope Collaborative and mentors young children in the school system. She is an avid traveler, with a goal of getting her family to all of the states! Whenever possible, the family is hitting the road to discover new territories.
Lisa has been an integral part of our team from the beginning in 2003, mostly behind the scenes. In 2010, she took on a more active role helping oversee various aspects of the company such as compliance, event planning, marketing, and accounting.
In 2011, Lisa completed 20 hours of mortgage related continuing education courses to allow her to assist with processing when needed, however her primary responsibilities include oversight of all accounting activities including but not limited to accounts payable, accounts receivable and post closing account reconciliation.
Lisa graduated from the University of Evansville with a Bachelor of Science in Education. She has also earned her Master’s Degree at Georgetown College and a Master’s Degree at the University of Louisville.
Lisa and Scott are married with two sons. They currently reside in Fort Myers, Florida.
Stacy joined the Mortgage Warehouse team in December 2020 as a Mortgage Loan Processor. She brings 21 years of experience in business finance with her. Stacy has been in your shoes and knows the importance of communication and customer service, so she strives to bring you an excellent mortgage experience with Mortgage Warehouse.
When Stacy is not at work you will most likely find her at the softball field cheering on her daughter during high school and travel team games. Stacy loves nature and in her spare time she enjoys traveling and gardening.
Cindy joined our team at The Mortgage Warehouse in July 2012. Her primary responsibility is preparing closing packages and funding all of our loans. She works closely with the closing agent to ensure complete accuracy throughout the closing process. Cindy also helps out in other areas in processing and post-closing as needed.
Cindy’s experience in the lending industry spans more than 30 years, starting as a cashier at a local finance company. In 1991 she migrated to the mortgage industry as a processor with a mortgage banker. Her excellent work ethic was rewarded with a promotion to Processing Supervisor where she managed the daily responsibilities of five employees.
Throughout her career Cindy has taken loans from pre-approval all the way to funding, working with loan originators to meet crucial deadlines while making sure documentation is accurate and complies with company, State and Federal laws. She is proficient with several software programs including Byte, Calyx Point, DocMagic, Docuprep and Desk Top Underwriter.
Toni joined Mortgage Warehouse in 2020 and currently serves as an assistant to the Executive Vice President, Mike Roberts. She is a Mortgage Loan Originator and completed her National S.A.F.E. mortgage exam in 2020. Toni also received her designation as an Accredited Asset Management Specialist℠ from the College for Financial Planning in 2018.
With nearly thirteen years in the financial services industry and decades of customer relations and service experience, she is patient and attentive with immense focus on the details. She prides herself in always doing what is in the best interest of the customer and developing strong relationships, both personally and professionally.
Toni resides in SW Florida and in her free time enjoys interior design, fishing and relaxing on the beach with her husband, Chris. She also loves animals and spending time with her Labrador Retriever, Cash.
NMLS ID # 2080027
John Bollinger is a Senior Loan Originator at Mortgage Warehouse. John’s mission is to get to know the details of your individual situation in order to help you select the best mortgage terms to reach your goals. He is experienced in purchase and new construction loans as well as refinance transactions. John prides himself on getting loans closed on time and keeping his clients informed throughout the process. John has over 20 years of experience in lending, with over 15 years in mortgage origination.
His funding volume has exceeded $250 million. Before joining Mortgage Warehouse, John worked for one of the nation’s largest mortgage companies where he consistently received production awards within his office and region. With the changes in the mortgage industry, John increasingly found that the larger banks were unable to provide the level of service he wanted to deliver to his customers. In 2011, John joined Mortgage Warehouse to take advantage of the many benefits of on-site underwriting, processing and funding.
John has had extensive mortgage related training over the course his career. John has passed the National S.A.F.E. mortgage exam as well as Kentucky, Indiana and Florida specific exams. John attended Miami University of Ohio where he studied Business and Psychology. John currently holds mortgage licenses in Kentucky, Florida and Indiana.
NMLS # 111708
Monica Owens joined the Mortgage Warehouse in October 2012 as Mortgage Underwriter. Her duties include underwriting, credit analysis and appraisal review for mortgage loans.
Monica comes to us with more than 17 years of experience in Mortgage Lending, Retail Banking and Regulatory Compliance. Monica is a Direct Endorsement Underwriter for FHA and has delegated authority to underwrite VA loans. She also has an extensive background with Rural Housing and Conventional Loans.
Jennifer McKinney is the Branch Manager for our Louisville, KY office and is also a Senior Loan Originator, focused primarily on meeting the needs of her clients. Recognized as a tenured leader, she also performs operational functions related to the growth and success of the entire company. Jennifer has played a key role in the success of Mortgage Warehouse since 2008. Jennifer has over 17 years of experience in mortgage lending and has been involved with over $250 million in mortgage fundings.
Jennifer began her mortgage career as a loan originator for a regional mortgage company where she was consistently ranked as the #1 loan originator in her office and captured several production records. In 2006, Jennifer decided to experience another side of mortgage lending and went to work for a national mortgage bank as an account executive. She enjoyed much success with the mortgage lender but missed dealing directly with the borrowers that she was helping. In 2008, she decided to go back to helping customers with their mortgages directly and was hired on at Mortgage Warehouse.
Jennifer attended the University of Louisville, College of Business where she obtained her Bachelor’s Degree with a Major in Finance. She also completed her Master’s of Business from TUI University in March of 2008. Jennifer has completed extensive hours of mortgage education, passed the National S.A.F.E. exam and state components in KY, IN, and FL.
Jennifer is married to her husband, Jake, who currently serves in the Kentucky Army National Guard. They have two school-aged boys who keep them busy. They reside in Louisville, KY.
NMLS ID # 106135
Mike joined Mortgage Warehouse in 2007 and currently serves as Executive Vice President. Mike works closely with secondary market investors to keep Mortgage Warehouse an industry leader in total mortgage price to the homeowner. Mike has a wide range of job functions including but not limited to underwriting decisions, marketing, pricing, and ensuring compliance with all State and Federal laws.
Even with his executive responsibilities, Mike still ranks as one of Mortgage Warehouse’s top producing loan originators always making time to work directly with the customer. Mike is known for having the “heart of a teacher” when helping homeowners use today’s mortgage rules to get ahead financially.
Mike has over 20 years of residential mortgage experience with well over $1 billion in mortgage funding. Mike’s early career is filled with top producing awards such as Loan Originator of the Year. During the mortgage boom years from 2001-2006, one of the fastest growing mortgage companies in America chose Mike as the best role model to develop its employees. Mike has mentored over 300 new loan originators, processors, underwriters, and managers over his career. By 2005, Mike was largely responsible for establishing mortgage operations in 16 major cities extending from Orlando, FL to Denver, CO. Since 2007, Mike has played a key role in the growth and success of Mortgage Warehouse. In the worst years of the housing crisis (2009 and 2010), Business First recognized Mortgage Warehouse as the only mortgage company in Louisville’s 50 fastest growing companies. During that time Mike was critical in evolving Mortgage Warehouse from a mortgage broker into a lender that funds its own mortgage loans. The transformation laid the groundwork for high demand no closing cost loan options that made Mortgage Warehouse a leader in price and would carry the endorsement of WHAS radio hosts Terry Meiners and Tony Cruise in Louisville. In June 2012, Mike relocated from Louisville, KY to Fort Myers, FL to help the company expand in Florida. Mortgage Warehouse would continue its growth and later eclipse $120 million in lending volume for 2016 as a company. In 2017, Mike was named one of the top mortgage professionals in all of SW Florida (Gulfshore Life Magazine), and in 2018 Forbes recognized Mike among SW Florida’s Market Leaders. Mike spent 2020 on the housing market front lines of the Covid-19 pandemic as U.S. mortgage rates hit all-time record lows and Mortgage Warehouse would explode to well over $300 million funded locally. Mike continues to work with homeowners, homebuyers, and real estate agents by referral in both the greater Louisville, KY and SW Florida mortgage markets.
Mike currently holds mortgage licenses in Kentucky, Indiana, and Florida. Mike has passed the National S.A.F.E. mortgage exam, along with 5 other state specific exams. Mike is also a direct endorsed mortgage loan underwriter by the Federal Housing Administration.
NMLS ID 9291
Scott founded Mortgage Warehouse in 2003. For the first 7 years, Mortgage Warehouse operated as a mortgage broker. In early 2010, Scott successfully transitioned the company from brokering loans to lending the money on nearly every loan originated by Mortgage Warehouse.
In mid-2011, Mortgage Warehouse opened the Fort Myers, Florida office. Scott spends time between his Louisville office and the office in Fort Myers, where he now resides.
Scott’s work experience began as a Civil Engineer in Louisville, KY. In 1999, he made a career change to the mortgage industry. He was employed with AmeriLoan Mortgage Corporation where he was recognized as “Loan Originator of the Year” in 2000, “Manager of the Year” 2001 and 2002, and eventually became Vice President of the company in 2002. Realizing that this was the career he was meant for, Scott left AmeriLoan in early 2003 to start his own company, Mortgage Warehouse. Since inception, Mortgage Warehouse has consistently been ranked as one of the top mortgage companies among its peers and has been recognized 6 times by Business First publication as one of the Fastest Growing Privately Held Companies in Louisville (2009, 2010, 2013, 2014, 2017, 2021). With over 20 years of mortgage lending experience, Scott continues to lead the company to continued growth and success.
Completing over 200 hours of mortgage licensing education, Scott has passed the National S.A.F.E. mortgage exam along with the state component exams in KY, IN, and FL and is a licensed loan originator in all three states as well.
Scott earned his Bachelor of Science in Civil Engineering from the University of Evansville (Indiana).
NMLS ID # 52331
Tom was the “Loan Originator of the Year” for 2006, 2007, 2008, 2009, 2010, and 2011 for Mortgage Warehouse. He currently holds the most individual company records and is the most tenured employee with Mortgage Warehouse.
Thomas Cerbo has over 30 years of full time work experience. His first career was with the Kroger Corporation where he worked 25 years and eventually retired in 2004.
In October of 2004, Tom started working as a loan originator for Mortgage Warehouse in Louisville, KY. His customer service background has helped him become very successful as a Senior Loan Originator. Tom holds the record for most loans closed for Mortgage Warehouse.
Along with meeting all licensing requirements, Tom has completed over 100 hours of continuing education in Kentucky, Indiana, and Florida. Tom graduated from Ballard High School in Louisville and attended the University of Louisville where he obtained his Bachelor’s Degree from the School of Business. He graduated in May of 2000 making the Dean’s list every semester.
NMLS ID # 43851