Elizabeth started with Mortgage Warehouse in 2020 and has been involved in process improvement and training since day one. Her role is Closing Manager, but also oversees and trains in the operational aspects of processing, appraisals, funding, post-closing, loan origination software administration and document management.

Throughout her mortgage career, Elizabeth has served in many other management capacities in addition to her current roles, including secondary market loan trades, lock desk, loan servicing, underwriting, audit, regulatory and internal compliance, and vendor management. She is passionate about employee development and job knowledge, and dedicates her time in ongoing training and writing procedures.
Elizabeth loves to travel and enjoy new adventures along with the local cuisine. While at home, both her rescue dogs, a bluetick coonhound and an Australian shepherd mix, keep her on her toes.

Having been in the mortgage industry since 1997, Monica has developed a strong foundation as an underwriting manager, currently serving at The Mortgage Warehouse. Her primary focus is to maintain the highest standards in underwriting quality, efficiency, compliance, and risk management.

Throughout her career, Monica has gained extensive knowledge in underwriting a wide range of mortgage loans, including FHA (DE), VA, Conventional, and USDA. Her proficiency extends to DU/DO, LPA, and GUS systems, and she has a proven track record of success in compliance and quality control reviews. Additionally, she is well-versed in TRID and regulatory compliance, and has dedicated time to training and mentoring new and existing underwriters, loan officers, and loan processors on industry best practices and guidelines.

Monica lives in Louisville with her husband.  She is an avid reader, enjoys learning new skills and is a certified “cat lady”.

Mike Roberts is a nationally recognized mortgage professional with over 25 years of experience and more than $1 billion in funded loans. As Executive Vice President of Mortgage Warehouse since 2007, Mike has played a pivotal role in establishing the company as a leader in mortgage pricing.

Mike’s expertise spans every facet of the mortgage process, including underwriting decisions, credit risk, rate lock strategies, valuations, and regulatory compliance. Few in the industry can match his level of technical knowledge, strategic insight, and ability to negotiate with large financial institutions in even the most complex scenarios.

Career Milestones

• Award-Winning Excellence: Since being named Loan Originator of the Year in 2001, Mike has received numerous accolades for his performance, including national recognition in Forbes Magazine, Fortune Magazine, and Business First (Louisville).
• Leadership in Innovation: Mike was instrumental in transitioning Mortgage Warehouse from a broker to a lender, a move that introduced low-rate, no-closing-cost loan options. This led the company to earn endorsements from respected media figures and rank #1 nationwide for loan quality by Wells Fargo in 2021.
• Mentorship and Organizational Growth: Over his career, Mike has mentored more than 300 mortgage professionals and expanded operations into 16 major U.S. cities, showcasing his ability to elevate not just individuals but entire organizations.

A Holistic Approach to Financial Success

In addition to his mortgage expertise, Mike is an accredited investor and a master in personal finance, trained by best-selling author and financial expert Dave Ramsey in Franklin, TN. This unique combination allows Mike to offer clients a holistic approach—considering their entire financial picture when making mortgage decisions. By helping clients avoid costly mistakes, Mike ensures they achieve better long-term financial outcomes.

Financial advisors, attorneys, and real estate professionals frequently rely on Mike’s guidance for both their personal mortgage needs and those of their clients. They trust his advice, which is rooted in technical knowledge and a deep understanding of personal finance. His mortgage pricing is often praised as among the best in the industry, and his ability to navigate significant life events—such as divorces, relocations, retirement, or first-time home buying—sets him apart.

Credentials and Expertise

Mike holds mortgage licenses in Kentucky, Indiana, and Florida and is a Direct Endorsed Mortgage Loan Underwriter by the Federal Housing Administration. He has passed the National S.A.F.E. Mortgage Exam and multiple state-specific exams.

Results That Speak for Themselves

During the pandemic, Mike helped Mortgage Warehouse fund over $600 million locally, achieving unprecedented growth. In 2024, amid one of the most challenging markets in recent history, he set a company record for purchase loan volume and was again named Loan Originator of the Year.

A Legacy of Excellence

With over 25 years of experience and a proven track record of excellence, Mike helps everyone from first-time homebuyers to seasoned investors win with homeownership. He focuses on teaching the honest, excellent work required to own a home the right way. Known for having the heart of a teacher, Mike provides clear, common-sense advice that works in any market and has been trusted for decades.

Scott Riley is a highly experienced mortgage lending professional and the founder of Mortgage Warehouse, a leading direct mortgage lender serving clients throughout Florida, Kentucky, and Indiana. With over 25 years of experience in the mortgage industry, Scott has helped thousands of homeowners secure competitive loan rates and financing solutions tailored to their needs.

A Proven Leader in Mortgage Lending

Scott launched Mortgage Warehouse in 2003, initially as a mortgage broker. In 2010, he strategically transitioned the company into a direct mortgage lender, allowing for better control over loan underwriting, loan processing, faster approvals, and lower costs for clients. Under his leadership, Mortgage Warehouse has been recognized multiple times by Business First as one of the Fastest Growing Privately Held Companies in Louisville (2009, 2010, 2013, 2014, 2017, and 2021).

Professional Background & Achievements

Before founding Mortgage Warehouse, Scott began his career as a civil engineer after earning a Bachelor of Science in Civil Engineering from the University of Evansville. In 1999, he transitioned into the mortgage industry, joining AmeriLoan Mortgage Corporation, where he quickly rose through the ranks. His outstanding performance earned him:

• Loan Originator of the Year (2000)
• Manager of the Year (2001 & 2002)
• Promotion to Vice President (2003)

With a strong foundation in engineering and finance, Scott brings a detail-oriented and analytical approach to mortgage lending, ensuring clients receive customized and cost-effective home loan solutions.

Trusted Mortgage Expert in Kentucky, Indiana, and Florida

Scott Riley holds mortgage loan originator licenses in Kentucky, Indiana, and Florida and has completed over 200 hours of mortgage licensing education. He has successfully passed the National S.A.F.E. mortgage exam along with state-specific exams, demonstrating his deep knowledge of lending regulations and best practices.

Commitment to Clients & Industry Excellence

Scott and the team at Mortgage Warehouse have successfully closed nearly $2 billion in loan volume, guiding first-time homebuyers, move-up buyers, second-home buyers, and investors through the mortgage process. With his deep financial expertise, Scott specializes in helping homeowners maximize savings through refinancing—whether by lowering monthly payments, securing better interest rates, or leveraging home equity responsibly to strengthen their financial future. His commitment to transparency, competitive mortgage rates, and outstanding customer service has made Mortgage Warehouse a trusted leader in the industry.

NMLS ID # 52331