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
Tray was great to work with! He helped ease my husban's mind on the best options for us. Anytime we had questions Tray was available to talk. He mad e the process very smooth for us. We would highly recommend Tray.
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Reply from Tray Harkins
November 13th, 2025 04:16 PM
I'm glad to hear that I was able to ease your husband's mind and assist with finding the best options for you. Making the process smooth and being available for any questions is important to me. Thank you, Jennie, for your recommendation and...
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Tray was very accommodating and helpful throughout the whole process! We greatly appreciate all that he did for us!!
Reply from Tray Harkins
November 10th, 2025 03:03 PM
It's great to hear that I could be accommodating and helpful during the process. Your appreciation really means a lot to me. If you ever have further questions or need assistance in the future, please don't hesitate to get in touch. Thank you,...
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Helpful to answer questions and make the process easy as always!
Reply from Tray Harkins
October 22nd, 2025 03:36 PM
I'm pleased to know that I could assist with your questions and make the process straightforward. Ensuring things are clear and manageable for clients is always a focus for me. Should you have any more questions or need assistance in the future,...
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Was informed on all progress of my loan.
Reply from Tray Harkins
October 20th, 2025 01:10 PM
It's reassuring to hear that you felt well-informed about the progress of your loan. Keeping clients updated is something I always strive for, as it helps ensure a smoother process. If there’s anything else I can assist you with, please don't...
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Made my refi a breeze!!
Reply from Tray Harkins
October 20th, 2025 12:55 PM
I'm glad to hear that the refinancing process went smoothly for you. Making things as straightforward as possible is always a priority for me. If you have any questions or need further assistance, please feel free to reach out. Thank you for...
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I was kept well informed the process and things happened in a timely manner.
Reply from Tray Harkins
October 9th, 2025 08:41 PM
I'm pleased to know that you felt informed and that everything proceeded on schedule. Keeping you updated throughout the process is important to me. If you have any further questions or need anything else, feel free to reach out anytime. Thank...
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Everything was very smooth from beginning to end. Tray was very helpful in answering any questions throughout the process and explained everything very clearly.
Reply from Tray Harkins
September 25th, 2025 03:24 PM
I'm glad to hear that the entire process went smoothly for you. It was my goal to provide clear explanations and be available to answer your questions. Thank you for sharing your experience. If you have any further questions or need assistance...
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Tray gets it done! Great on communication and very knowledgeable. Its always a good experience with Tray!
Reply from Tray Harkins
October 13th, 2025 08:21 PM
I appreciate your feedback and trust. It's great to hear that communication and knowledge made for a positive experience. If there's anything more you need or any questions you have, I'm here to help. Thank you for choosing to work with me...
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Another great transaction! Thanks for always being awesome!!
Reply from Tray Harkins
October 4th, 2025 02:31 PM
I appreciate your kind words and your continued trust. It's rewarding to know that each transaction has met your expectations. If there's ever anything more you need, I'm here to help. Thank you for choosing to work with me again!
tray answered all of are questions but the process took forever which set are time frame back to get things done for house but over we are good with things
Reply from Tray Harkins
July 16th, 2025 06:05 PM
I appreciate your feedback, Joshua. I'm sorry to hear that the process took longer than expected, affecting your timeline. It's important to me that you're ultimately satisfied, and I'm glad I could answer all of your questions. If there’s...
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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