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
The entire team is very efficient at what they do!
Reply from Tray Harkins
January 1st, 2025 05:10 AM
Great to hear that you had such a fantastic experience with our team, Nicholas! We always strive to provide efficient and top-notch service to our clients at Flat Branch Home Loans. Thanks for taking the time to give us a 5-star rating and...
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Stayed on top of everything and made sure to keep me on top of everything. made everything easy!
Reply from Tray Harkins
December 26th, 2024 04:53 PM
I'm thrilled to hear that you had a great experience, Ernest! It's my main priority to keep my clients informed and simplify the process as much as possible. It was a pleasure working with you on your loan and I'm glad I could help. If you...
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Easy to work with
Reply from Tray Harkins
December 16th, 2024 03:36 PM
Thanks for the positive feedback, Craig! It was a pleasure working with you as well. Glad to know you found the process easy. Looking forward to assisting you again in the future with your home loan needs at Flat Branch Home Loans.
The way the transition was made from Molly Dean was unprofessional at best! Whoever this oersom you are asking about is I have no idea I have never spoken to I ran a fair amount if miney throuhh Flat Branch in the last year no worries i wont...
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Buying a home for the first time is tough! Tray and the Flat Branch team were there to help answer my questions throughout the whole process. And I loved the ease of the app too!
Reply from Tray Harkins
October 28th, 2024 11:11 PM
So happy to hear that you had a positive experience and that our app made the process even easier for you, Payton! As a first-time home buyer, it's essential to feel supported and informed, and I'm glad to have been a part of that for you....
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Tray has been very accessible during the entire process to answer any and all questions that have come up. He worked to make the borrowing process as pain free as possible.
Reply from Tray Harkins
October 24th, 2024 06:17 PM
Thanks for the glowing review, Tyler! I'm thrilled to hear about your positive experience with the borrowing process. Your satisfaction is always my top priority, so I'm glad I was able to help make it as pain-free as possible. Feel free to...
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We got our loan
Reply from Tray Harkins
October 23rd, 2024 12:38 PM
I'm thrilled to hear that you had a positive experience with your loan process, Kylie! Your feedback means a lot to us at Flat Branch Home Loans. We're here to make the process as smooth as possible for you. Looking forward to assisting you...
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Tray and his team are extremely knowledgeable and willing to help. They go above and beyond to answer questions and explain steps throughout the process. I can’t imagine working with anyone but Tray.
Reply from Tray Harkins
October 22nd, 2024 02:34 PM
I'm truly delighted to hear your positive feedback, Matthew. It's great to know that you found our team knowledgeable and helpful throughout the process. We always strive to provide clear steps and answers to all inquiries. Your satisfaction...
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The process moved smoo. Tray kept me informed along the way.
Reply from Tray Harkins
October 22nd, 2024 01:33 PM
I'm glad to hear that you found our mortgage process smooth, Mark! It's always a top priority to keep you informed and make the process as seamless as possible. Thanks for taking the time to leave a review and for your 5-star rating. Looking...
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First time working with Tray. Very happy with his communication and work ethic. I will definitely refer him to a future client! Thanks Tray!!
Reply from Tray Harkins
November 10th, 2024 12:52 PM
Adam, I genuinely appreciate your stellar review and your decision to refer me to others. It was a pleasure to assist you, and I'm thrilled to hear that my communication and work ethic met your expectations. Your satisfaction is my main priority...
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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