Carolyn Frey  [NMLS – 139125]
I am the President and Owner of the Florida, Ohio, and Pennsylvania based mortgage consulting Company, Mortgage Lending Solutions. (We lend statewide in all three states, and have been in business since 2000).

Born and raised in St. Louis, Missouri, I started in lending right out of College. My career path led me to the great “little city” of Columbus, Ohio, where I made wonderful lifelong friends that I consider family, and helped create and open MLS.
After many years of dreaming and visioning a life on the ocean and visiting the Florida Keys A LOT, I was blessed enough to get licensed in Florida and expand MLS south! I am now a Cudjoe Key ‘local’ and enjoy the thrill of helping buyers navigate the path to homeownership in Ohio and in Florida too! I feel extremely blessed to have survived this crazy industry for over 27 years!
Beyond travelling between our 3 offices and helping make a difference in these communities, I enjoy paddle boarding, boating, yoga and bicycling … AND playing with my 4-legged crazy pups that look like pandas!

Heather Lashaway  [NMLS – 675238]
I am the mother of FIVE boys, two human (pre-teenagers!), and 3 furry age 15, 4, and 1 year old. These five do keep me quite busy with school, camps, and chasing balls. Check out my Facebook page for pictures as all five are too cute and adorable (mischievous) not to share.
I moved to Columbus in 1999 (GO BUCKS!) and have enjoyed living in Westerville, German Village, Berwick and  now back home to the Westerville area! I’ve been working with Carolyn Frey for about 8 years as our operations manager, processing loans, and taking care of the Ohio and Florida general management. In 2017 I joined the ranks as a mortgage consultant and now have those fancy numbers next to my name as well. I love educating clients on the loan process and trying to make purchasing a home as smooth as possible on the financing side.
In my spare time (who has spare time?) we do as much outdoors as we can; camping on our favorite river, playing in the pool, riding scooters, chasing bugs (collecting them… ewe!), and exploring nature.

Tammy preferred cropped eff Sept 2018

Tammy Hoch  [NMLS – 1759420]

I was born and raised in Pittsburgh, PA and became a transplant after attending college at Denison University.  I spent the first ten years of my career here in central Ohio in the banking industry with a focus across consumer, small business, and commercial lending. Since joining the Mortgage Lending Solutions team, I am now able to provide individuals and families with a custom tailored approach to home finance. This includes Conventional, FHA, VA, USDA, Jumbo, home improvement, and debt consolidation financing. Purchasing a home is one of the largest investments we make, and I take great pride in being your trusted partner in this process.

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Florida Offices

Cudjoe Key, FL 33042
St. Petersburg, FL 33708
New Smyrna Beach, FL 32168


Ohio Office

Columbus, OH 43082


Pennsylvania Office

Monaca, PA 15061



Company NMLS #138740
We lend statewide in Ohio, Florida, and Pennsylvania
Ohio# MB.802202, Florida# MBR794, Pennsylvania Dept. of Banking License#21259
For consumer access to the National Mortgage Licensing Service to check our credentials, please click here

Equal Housing Lender