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
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Business Hours
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8:30 AM to 5 PM
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closed
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closed
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Reviews from Web
Everyone we encountered and worked with was super helpful, timely in their responses, and kind. Marcie and Tray specifically went above and beyond to help us understand each part of the process and continue communication throughout the entire...
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Reply from Tray Harkins
February 25th, 2026 07:04 PM
Thank you, Mya, for sharing your experience. It means a lot to hear that you found my assistance, along with Marcie's, to be helpful and informative. I'm dedicated to ensuring clarity and support throughout every stage. If there's anything...
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Everything went smooth and fast
Reply from Tray Harkins
February 11th, 2026 01:54 PM
Ryan, I'm glad to hear that the process was smooth and quick for you. If there's anything more I can do for you or if you have any questions, please feel free to reach out. Thank you for your feedback!
Tray worked with me and for my situation . Im I'm grateful for the wonderful communication and pleasant experience. Tray was transparent made this process easy. I high recommend Tray for any mortgage needs
Reply from Tray Harkins
January 23rd, 2026 07:11 PM
It was a pleasure to work with you, Tricia. I appreciate your feedback on the communication and transparency throughout your mortgage process. Making things as straightforward and pleasant as possible is always my aim. If you ever need assistance...
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We was always knew what was going on at all
Reply from Tray Harkins
January 20th, 2026 05:51 PM
I'm pleased to hear that you felt informed throughout the process, Anita. Keeping clients updated is a priority for me. If you have any more questions or need assistance in the future, don't hesitate to get in touch.
Tray and everyone I talked to in the office, very professional, yet they make you feel like you are a close friend. Not a stressful process at all.
Reply from Tray Harkins
January 19th, 2026 06:09 PM
I'm glad to hear you had a positive experience, Gary. Striving for a professional yet friendly approach is important to me, and I'm pleased to know it came across during your process. If there's anything further I can assist you with, please...
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Tray was excellent to work with was always willing to take my calls or call back within a reasonable time. Helped us along the way with every thing we needed to do. Flat branch mortgage app was an easy way to submit all documents needed and...
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Reply from Tray Harkins
January 12th, 2026 09:13 PM
I appreciate your kind words, Sarha. It's great to know you felt supported throughout the process and that the communication met your expectations. I'm glad the Flat Branch mortgage app was helpful in keeping everything organized and up to...
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Smooth and speedy process!
Reply from Tray Harkins
January 2nd, 2026 04:17 PM
I'm glad to hear that you found the process smooth and speedy, Ramon. It's important to me to ensure a straightforward experience. If there's anything else you need in the future or have any further questions, please feel free to reach out.
Trey was the best! The process was easy and smooth! Trey helped with any questions I had!
Reply from Tray Harkins
December 29th, 2025 03:47 PM
It's great to know that you found the process easy and smooth, Samantha. I'm glad I could assist with your questions along the way. If there's anything else you need in the future, feel free to let me know. Thank you for your feedback!
Tray was great to work with! Smooth transaction.
Reply from Tray Harkins
November 17th, 2025 09:32 PM
I'm pleased to hear that you found working together a positive experience and that the transaction went smoothly. Thank you for sharing your thoughts, Brooke. If there's anything else I can assist with in the future, please feel free to reach...
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Tray was fantastic to work with! He was very responsive, trustworthy, and made the entire process smooth and stress-free. This is the second loan he’s handled for us, and we wouldn’t hesitate to work with him again.
Reply from Tray Harkins
November 17th, 2025 02:08 PM
I'm grateful for your feedback and am pleased to hear about your positive experience with the loan process. Being responsive and trustworthy is something I consistently strive for, so it's rewarding to know it helped make things smooth and...
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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