Tracy Hayes

Mortgage Banker

Tracy Hayes Headshot

My Specialties

  • First Time Home-buyer Loans
  • Renovation Loans
  • VA Loans
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Having been in the mortgage industry since 2005, Tracy has assisted with thousands of loans. His goal is to help each client find the best loan product for their family while assisting them in moving into their dream home. Tracy is active in his community as both President of the Northeast Florida Citadel Club and Chairman of Sampson Creek CDD. He has also been a collegiate football official since 2011.

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St. Augustine, FL
NMLS#: 23368
Cell: 904-814-9907

Tracy Hayes with Ameris Bank has been a pleasure to work with! His quick responses and extra care to detail were beyond expectations. I would highly recommend him to perform.

Realtor, Alicia Oliver

This is my new favorite lender. There are many products available to the customer. I've had the chance to meet lots of Ameris staff at various networking events and they have instilled confidence in every step of the way.

Bret Melton

Welch Team has been working with Tracy Hayes for a number of years. He is ready willing and able to assist our customers and always helps narrow down the best loan option for them. He goes above and beyond and makes sure the customer closes on time, every time. Welch Team highly recommends, Tracy, and will continue working with him to ensure our customers receive the best service possible.

Welch Team Broker Associate, Christina Welch

Ameris and Tracy Hayes were amazing to work with. The process was quick, pain-free and enjoyable!

Jana Johnson

Tracy showed great patience and perseverance, taking the time to explain everything and answer my thousand questions. Our Title Insurance agency offered great praise for his promptness with funding the loan. I will spread the word to anyone who’ll listen to use Ameris Bank for their mortgage.

Steve Hays

Tracy Hayes with Ameris Bank was awesome! I've never purchased a home before so I was very nervous, but Tracy made me comfortable enough that I wasn't worried about asking questions he'd already answered. The process was easy and quick - I'll definitely be recommending Tracy. Thanks again!

Christina Lauer

Tracy Hayes and the Ameris Bank team kept my clients and my real estate team informed through every step of the process. Emails were responded to quickly and I was always able to reach someone by phone if I needed immediate help. I highly recommend having Tracy Hayes and the Ameris Bank team service your mortgage needs.

Realtor, Joanie McCutcheon

Tracy Hayes and Becky Burton were extremely professional and knowledgeable throughout the process. They were friendly, prompt and attentive from beginning to end. Ameris made a complicated process seem easy. They always responded to any questions. I would definitely use Ameris again and recommend them. Thank you. Job well done!

Connie Blackenship

When I needed a mortgage broker for an unconventional sale, Tracy walked me through multiple options that allowed me to find the best option for my family.

David Eubanks

Tracy made the experience painless. You always hear about how stressful home buying can be, but I was very satisfied with my experience. Thanks Tracy!

Anadaniela Garcia

Tracy was knowledgeable and helpful and made the mortgage process easy!! We are very pleased with Ameris Bank and Tracy Hayes.

Diana Brunjes

Tracy did a great job servicing my clients. He was always responsive and very helpful. I would recommend Tracy and his team for future clients.

Heather Vieczorek

We have purchased 7 homes in our life and this was by far the best experience we have ever had.

Blaine Peterson

Tracy went above and beyond to have our loan done in a timely manner. He and Ameris Bank were a pleasure to work with.

Becky Petersen

By far, one of the best experiences I've ever had. It was simply outstanding.

Richard Steele

Partnering with Ameris

At Ameris Bank, we help turn your home buying dreams into reality! We also understand that there is no purchase more important, rewarding or exciting as a new home. We are dedicated to helping you step-by-step through the process and keeping you updated with your loan status each step of the way.

Ameris Bank Mortgage Services is backed by Ameris Bank – a strong and stable community bank with over a 45 year history built on relationship banking and customer service.