Tammy Arrington

Tammy Arrington

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Trusted Mortgage Expert in Southwest Florida | 20+ Years of Experience

Tammy joined Mortgage Warehouse with over 20 years of experience in the mortgage industry, specializing in helping Southwest Florida homebuyers achieve their homeownership dreams. As a longtime resident of Southwest Florida, she has witnessed its incredible growth and transformation firsthand, making her uniquely positioned to guide you through your mortgage journey.

Whether you’re purchasing your first home, second home, or investment property, Tammy is dedicated to providing expert guidance, personalized solutions, and a smooth mortgage process.

Let’s make your homeownership goals a reality! Contact Tammy today for expert mortgage advice in Southwest Florida!

NMLS ID: 367773

Lisa McNeice

Lisa McNeice

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Lisa McNeice

Lisa has been an integral part of Mortgage Warehouse since 2021, bringing a wealth of expertise to her role as Office Manager. She oversees various key functions, including payroll, human resources, accounts payable, and customer database management, while also handling various administrative responsibilities that support the company’s daily operations.

Professional Experience

With over 25 years of experience in the finance, real estate, and retail management fields, she has gained extensive knowledge in loan processing, residential and commercial real estate sales, property appraisals, document quality control, and senior executive office administration.

Education

Lisa earned a Bachelor of Science in Business Administration with a Minor in Psychology from the University of Rhode Island.

Personal Life

Originally from Rhode Island, Lisa has lived in Florida since 2000. She enjoys traveling, shopping, and hosting family gatherings with her husband, children, and grandchildren. She is also a devoted cat mom to her cats, Honey and Jasper.

Lisa Riley

Lisa Riley

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Lisa Riley

Business Development Representative

Lisa has played an integral role within our team since the beginning in 2003, doing behind-the-scenes work. Over the years she has carried out various aspects of the business, including event coordination, marketing strategies, post closing tasks, and financial operations. Lisa currently serves as a Business Development Representative. She is enthusiastic about creating strong networks and making a positive impact.

Education

Lisa graduated from the University of Evansville with a Bachelor of Science in Education. She has also earned her Master’s Degree in Education at Georgetown College and a Master’s Degree in School Counseling at the University of Louisville.

Family

Lisa and Scott are married with two sons and a Havanese dog. They currently reside in Fort Myers, Florida, but have kept close ties to their Kentucky and Indiana roots. In addition to cheering on both of her sons in their sporting events, Lisa enjoys golfing, fishing, photography, yoga, and reading. She also stays actively involved in her church and community.

Toni Schultes

Toni Schultes

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Toni Schultes

Toni joined Mortgage Warehouse in 2020, bringing with her over a decade of experience in customer service and financial services. She earned the Accredited Asset Management Specialist℠ (AAMS®) designation from the College for Financial Planning in 2018 and completed the National S.A.F.E. Mortgage Exam in 2020, further enhancing her skills and expertise in the mortgage industry.

Toni is dedicated to providing exceptional customer service, known for her patience, attentiveness, and strong attention to detail. She strives to ensure each client has a smooth and seamless mortgage experience, guiding them through every step of the process. Building trust and fostering long-lasting relationships are at the core of her approach, and she prides herself on always putting her clients’ needs first.

Residing in Southwest Florida with her husband, Chris, and their Labrador Retriever, Cash, Toni enjoys spending her free time exploring interior design, fishing, and relaxing on the beach. An avid animal lover, she also enjoys quality time with her family and furry companion.

NMLS ID # 2080027

John Bollinger

John Bollinger

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John Bollinger

John Bollinger is a Senior Loan Originator at Mortgage Warehouse, serving Louisville, KY, Jefferson, Bullitt, and Oldham Counties, as well as Indiana and Florida. With over 30 years of lending experience—including 23+ years in mortgage origination—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
  • Formerly worked at one of the nation’s largest mortgage companies, earning multiple production awards
  • 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, and Oldham Counties, as well as Indiana and Florida, secure the lowest mortgage rates with fast approvals and expert guidance.

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

NMLS # 111708

Monica Owens

Monica Owens

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Monica Owens

Monica Owens joined the Mortgage Warehouse in October 2012 as Mortgage Underwriter. Her duties include underwriting, credit analysis and appraisal review for mortgage loans.

Professional Experience

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.

Mike Roberts

Mike Roberts

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Mike Roberts

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

Scott Riley

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Scott Riley

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