About Us

Your lender for life! Serving Kentucky, Indiana, Tennessee, North Carolina and Florida. 

MOMS group

Earth Day: Eco-Friendly Home Tips

As we approach Earth Day on Monday, April 22, it's important to remember that while the global challenge of caring for our planet may seem overwhelming, there are meaningful steps we can take on a...

Preparing for Housing Market’s Busy Season

If you’ve been thinking about buying a home this year, now is the time to set yourself up for success during the busy summer buying season. That said, here are five ways to financially prepare for...

Spring Prep Tips for Homeowners

As we head into spring, preparing your home for the season's challenges is essential, especially with seasonal rain and thunderstorms on the way.  With that in mind, here are six insights to...

LTV Ratio, Explained

We wanted to provide some information on a term we are asked about quite frequently by clients, friends, and family: loan-to-value ratio (LTV).  At face value, LTV can seem like a complicated...

Long-Term Benefits of Buying a Home

In our team's experience working with clients, we've learned that the appeal of buying a home is much more than the monetary investment. It offers a sense of security and stability and a future of...

What is a Home Appraisal?

Published: February 8, 2024 Recently, we have been receiving a lot of questions from homebuyers about how the home appraisal fits into the mortgage process.  We often see people getting appraisal...

5 Highest ROI Home Improvement Projects

As mortgage rates remain high, more and more homeowners are tapping into their home equity to finance renovations or pay off debt. In fact, home equity loans increased by 50% in 2022 compared to two...

What to look for: Mortgage Lender

Many of the new clients who come to us are inundated with all sorts of lending offers, be it online, through print ads, or some other medium. Amid all of this, it can be really hard for them to...

What to know about HELOCs

What is a Home Equity Line of Credit? A HELOC acts like a credit card tied to your home's equity, offering a revolving credit line for significant home expenses. Keep in mind this type of loan uses...
About Our Company

Multiple Option Mortgage Services (MOMS) is a locally owned, residential mortgage broker operating in Louisville and the surrounding areas. Specializing in fixed-rate mortgages including FHA, VA, Kentucky Housing, and more – we commit to going the extra mile. Over 35 years in business we have worked hard to develop the best working relationships with our clients and lenders, we are dedicated to maintaining this relationship through integrity, hard work, and client education and communication. 

Why a Mortgage Broker?

If you aren’t sure why you should choose a mortgage broker instead of an independent lender such as a bank here are a few reasons:

  • Brokers are required to be licensed by completing mandatory education and taking national and state exams.
  • Brokers are also held accountable for continuing their education through periodic classes.
  • Most importantly for our clients, brokers are required to disclose our fees and earnings up front.
  • Another key difference is that brokers work with a variety of different lenders which gives us more flexibility than most independent lenders and allows us to create a scenario that is a better fit for our clients.

What Makes Us Different

No Additional Fees

MOMS takes pride in the fact that we don’t have any fees that aren’t necessary to get a loan. This means we don’t charge any extra underwriting, processing, or application fees. This gives our clients lower closing costs and lets them do the most with their money.


Our brokers are dedicated to providing you with the smoothest transitions through the mortgage process. We invest in quality service to assess our customers’ needs and expectations, determining the best possible terms, rates, and loan programs available.


MOMS excels at helping our clients know the ins and outs of all the options available to them in order to help them choose the best program for their lifestyle.

Follow us on Socials!

Contact Us

Contact Us

What is the best way to reach you?