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
Thu
8:30 AM to 5 PM
Fri
8:30 AM to 5 PM
Sat
closed
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Reviews from Web
Always very helpful and very easy to reach
Reply from Tray Harkins
June 15th, 2026 05:03 PM
Andrew, I appreciate your kind words about my availability and helpfulness. I'm glad to hear that reaching me has been easy for you. If there's anything else you need, don't hesitate to get in touch.
Getting approved for my first mortgage was so easy thanks to Tray and his team. Any questions I had they were more than kind, quick, and patient to answer. They made this process so easy with no stress at all! Would recommend to any of my friends...
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Reply from Tray Harkins
June 4th, 2026 03:15 PM
Madeline, I'm thankful to hear that your first mortgage approval was an easy and stress-free experience. I appreciate your kind words about my team, and it's great to know you'd recommend us to friends and family. If you have any more questions...
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tray and the whole experience was easy and quick. great co.
Reply from Tray Harkins
May 12th, 2026 03:52 PM
Timothy, I'm grateful to hear that you found the experience easy and quick. It's great to know you think highly of Flat Branch Home Loans. If you ever need anything else, feel free to contact me.
It was a very smooth process , very stress free
Reply from Tray Harkins
May 11th, 2026 08:38 PM
Darius, I'm pleased to hear that the process was smooth and stress-free for you. If you ever need assistance in the future, feel free to reach out.
This was a long process but over all we got it done and that was me and my wife's main goal tray answered all our questions and was there to get things done so we appreciate tray and his team for all the hard work and getting things done.
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Reply from Tray Harkins
May 4th, 2026 12:49 PM
Joshua, I'm glad to hear that you and your wife achieved your main goal. I appreciate your kind words about my efforts and the support from my team. If there's anything more I can do for you, please don't hesitate to reach out.
It was ok
Tray has always been great to work with. Very quick responses and helpful.
Reply from Tray Harkins
April 10th, 2026 04:55 PM
Amy, I appreciate your kind words about my responsiveness and helpfulness. It's important to me to ensure a smooth process for you. If there's anything else I can do to assist, just reach out anytime.
Tray is awesome. Worked with him and his team several times. They make the whole experience stress free.
Reply from Tray Harkins
April 7th, 2026 07:42 PM
Bradley, I'm grateful for your continued trust in me and my team. It's great to know that your experiences have been stress-free. If there's ever anything more I can do for you, just let me know.
Tray made the process go as smoothly as possible.
Reply from Tray Harkins
March 18th, 2026 01:31 PM
Leslie, I'm pleased to hear that the process went smoothly for you. My goal is to ensure a seamless experience for everyone. If you have any further questions or need assistance, please feel free to reach out.
Easy to work with. Everyone made the process simple and worked quickly to get my loan closed.
Reply from Tray Harkins
March 16th, 2026 03:32 PM
Matthew, I appreciate your feedback and am pleased to hear that the process went smoothly and efficiently for you. My goal is to make sure everything is straightforward and simple. If you have any more questions or need further assistance,...
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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.
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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