Tray Harkins
Senior Mortgage Banker | NMLS# 826158
Because no two borrowers come with the same background, each process is tailored to your personal goals, aspirations and milestones. Home buyers come through our door starting somewhere different all the time, but the journey will always en... Show More
Location & Business Hours
Business Hours
Tues
8:30 AM to 5 PM
Wed
8:30 AM to 5 PM
Thu
8:30 AM to 5 PM
View All days
Search Reviews
Search
Write a Review
Overall Ratings
Filter by Date
Range
Filter by Rating
Reviews from Web
Tray was very good at talking to me and giving all the information I needed.
Reply from Tray Harkins
September 24th, 2026 03:32 PM
Dalton, I'm pleased to hear that you found my communication helpful and received all the information you needed. At Flat Branch Home Loans, we're committed to providing clear and supportive service.
Trey was great to work with on our recent home loan. The entire process went smoothly and as expected. He was consistently responsive and helpful whenever we had questions, which made the experience much easier. Highly recommend him.
Reply from Tray Harkins
August 27th, 2026 04:04 PM
Dustin, I'm glad to hear that your home loan process went smoothly and met your expectations. I appreciate your kind words about my responsiveness and helpfulness. Thank you for recommending me!
Tray is awesome.Communicated well and responded quickly.
Reply from Tray Harkins
August 27th, 2026 01:12 PM
Miranda, I appreciate your kind words about my communication and responsiveness. It's great to know you had a positive experience working with me.
Tray, Marcy and Sam are slways easy to work with and make the process simplistic and seamless. I appreciate Tray and team!
Reply from Tray Harkins
August 21st, 2026 03:16 PM
Shelley, I'm glad to hear that you found working with Marcy, Sam, and me to be easy and seamless. We appreciate your kind words and are thankful for the opportunity to assist you!
Tray was quick to engage and efficient in processes. Never had a better experience!
Reply from Tray Harkins
August 7th, 2026 02:50 PM
Bryan, I'm grateful to hear that you found my engagement and efficiency impressive. It's wonderful to know you had such a positive experience. Thank you for your kind words! If there's anything else I can assist with, please feel free to reach...
read more
Tray was excellent to work with and always on top of everything that needed to be done.
Reply from Tray Harkins
July 27th, 2026 01:38 PM
Joshua, I'm pleased to hear that you found it excellent working with me and felt confident that everything was handled efficiently. Thank you for your kind feedback! If you have any further questions or need assistance, feel free to reach out....
read more
He was great, make the process very easy, quickly replied to questions
Reply from Tray Harkins
July 17th, 2026 08:06 PM
Ethan, I'm happy to hear that you found the process easy and appreciated the quick responses. Thank you for sharing your experience! If there's anything more I can help with, just let me know.
Tray was wonderful !!
Reply from Tray Harkins
July 16th, 2026 03:24 PM
Joyce, I'm glad to hear you had a wonderful experience working with me. Thank you for your kind words! If there's anything more I can assist you with, please feel free to let me know.
The only thing was Tray didn't tell me about the $6450 VA fee. I found out from paperwork after the process was already in
Reply from Tray Harkins
June 29th, 2026 06:49 PM
Michael, I appreciate you bringing this to my attention. I'm sorry for any oversight regarding the VA fee information. Please reach out to me directly so we can discuss this further and ensure all your questions are addressed.
Very professional and quick to respond.
Reply from Tray Harkins
June 18th, 2026 03:16 PM
Deborah, I'm pleased to know you found my service professional and prompt. If you have any more questions or need assistance, feel free to reach out.
1–10 of 211
About
Because no two borrowers come with the same background, each process is tailored to your personal goals, aspirations and milestones. Home buyers come through our door starting somewhere different all the time, but the journey will always end at the home you’ve been working hard for. All of our products are designed with you alongside, so your loan will be shaped perfectly for your wants and needs.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Specialities
Conventional, FHA, VA, USDA, USDA construction to Perm Loan, Manufactured Home Construction Loans.
Search Rank ScoreLearn More →
What is the Search Rank Score®?
Experience.com’s Search Rank Score measures a professional’s online search visibility across hundreds of key SEO attributes.
Positions
- Flat Branch Home Loans - SR Mortgage BankerAug 9th, 2018 - Current
Year Started
2001
Licenses
- NMLS# 826158
Disclaimer
Flat Branch Home Loans is an Equal Housing Lender © 2006 - 2024 A Division of Flat Branch Mortgage Inc NMLS# 224149