Thomas Ray

Branch Manager

NMLS# 171228

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Licensed for: SC-MLO-171228

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contact

Greenville, SC

322 South King Street Suite 1
Hendersonville, NC, 28792

O: 864-691-8180 | C: 864-525-1110

[email protected]

About Highlands Residential Mortgage

Your Family. Your Future. Our Focus.

Highlands Residential Mortgage was created in 2010 in the midst of uncertainty and rapid change in the mortgage industry. A group of like-minded seasoned veterans came together to create a company with an employee-focused culture. A culture that values its members both personally and professionally and a company built on the idea that the customer comes first! We believe Highlands Residential Mortgage is such a place. Our Mission to value people drives everything we do.

Meet Thomas

My Story

We’re Thomas Ray and Geena Hammond, a mortgage team passionate about making the home loan process feel clear, approachable, and personalized.

Thomas grew up in Rock Hill, South Carolina, and has been helping clients with home financing in the Upstate since 1995. Geena grew up in Greenville, South Carolina, and brings a heart for helping people create stability, security, and a place to call home for themselves and their families.

We believe education is one of the most important parts of what we do. Our goal is to help you understand your options, feel confident in your decisions, and find the best path toward your homeownership goals.

Whether you’re buying your first home, moving into your next chapter, refinancing, or just exploring what’s possible, we’re here to listen, guide, problem-solve, and support you every step of the way.

My Specialties