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

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.