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
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Reviews from Web
Straight forward and easy!
Reply from Tray Harkins
March 5th, 2025 01:16 AM
Thanks, Chase! I'm glad to hear you found the process straightforward and easy. Making things simple and clear for my clients is always a top priority. If you ever have more questions or need assistance in the future, feel free to reach out....
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Tray is always great Good communication and efficient
Reply from Tray Harkins
March 2nd, 2025 02:17 PM
Melinda, I really appreciate your kind words! It's always a pleasure working with you, and I'm thrilled to hear that you found the communication and efficiency to your satisfaction. If there's anything else you need or any questions you have...
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Tray was honest and it was the pleasant first experience we could of absolutely hope for du our experience!! Thanks Tray!
Reply from Tray Harkins
February 6th, 2025 04:11 PM
Ashlee, I really appreciate you taking the time to share your experience. Hearing that it was a pleasant and honest one is exactly what I strive for. It was a pleasure working with you both, and I'm so glad I could help make your first-time...
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Amazing mortgage service!
Reply from Tray Harkins
February 4th, 2025 12:14 AM
Wow, Andrew, thanks for the fantastic review! "Amazing mortgage service" is exactly what I strive for. So glad I could help you through the process and make it a positive experience. Hearing that makes my day. Hope everything is going great...
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Tray was responsive and answered questions timely. we are pleased with the whole process
Communication and very helpful
Reply from Tray Harkins
February 1st, 2025 03:30 PM
Joshua, thanks for the awesome review! I really appreciate you taking the time to share your experience. I strive to make the loan process as smooth as possible and it sounds like I hit the mark for you. That means a lot to me. Hearing that...
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Trey makes you feel like you are the most important client.
Reply from Tray Harkins
January 30th, 2025 04:11 PM
Wow, Cynthia, that's incredibly kind of you to say. I truly appreciate you taking the time to share your experience. Making my clients feel valued and prioritized is always my top priority, so it means the world to me to hear that I succeeded...
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The process was very simple and I wasnt chasing paperwrok and forms. I knew the status of my loan the entire time.
Reply from Tray Harkins
January 25th, 2025 01:12 PM
Glad to hear you found the process simple, Archie. It's a priority for us at Flat Branch Home Loans to keep our clients informed about the status of their loans. Your positive feedback reaffirms our commitment to this approach. Thank you for...
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Fast and seamless!
Reply from Tray Harkins
January 9th, 2025 05:22 PM
I'm thrilled to hear your experience was both quick and seamless, Rachel! That's precisely the kind of service we aim to provide here at Flat Branch Home Loans. If you ever need assistance in the future, don't hesitate to reach out. Thanks...
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Our process had several scenarios that changed almost weekly and Tray just made it as seemless as possible.
Reply from Tray Harkins
January 7th, 2025 02:59 PM
I'm really glad to hear that you found the process seamless, Chadric, despite the weekly changes. It's always my goal to make sure things are as smooth as possible for my clients at Flat Branch Home Loans. Thanks for your high rating and kind...
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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