Meet the Mortgage Team

Our Mortgage Loan Officers have extensive knowledge of local real estate markets and the many loan options available, and have helped hundreds of customers find the right home financing for their needs. You can count on their expert guidance at every turn in your application process. Our close-knit team works together to cut through red tape so you can get from application to closing quickly.

Meet Our Mortgage Loan Officers:

Tracy Bray Tracy Bray
Vice President

With more than 20 years in the mortgage business, Tracy has first-hand knowledge about all aspects of mortgage operations. She joined Burke & Herbert Bank in 2018, bringing her perspective and know-how to help make the mortgage experience for each Bank client smooth and stress-free. An expert on the wide variety of options and mortgage products available to customers, Tracy also specializes in helping first-time homebuyers. Whether you are buying or refinancing a first or a fifth home, Tracy looks forward to helping you find the perfect mortgage for your situation and needs. A Virginia native, Tracy holds a BS in business from the University of Mary Washington, and has been an active volunteer for underserved children, as well as for animal rescue. She lives with her husband in Fredericksburg, Virginia.

300 North Lee Street
Alexandria, VA 22314
Mobile: 540-809-1936

NMLS# 310482

Nancy Espeland Nancy Espeland
Bank Officer
Nancy, who has been with Burke & Herbert Bank for more than eight years, has more than 11 years of banking industry experience. At Burke & Herbert Bank, Nancy worked in the branch network before moving to the mortgage division. As a mortgage loan officer, Nancy is customer-focused and responsive. Whether she's working with new or long-time clients, her goal always has been to provide each customer with the best possible banking experience. By setting proper expectations with customers and paying close attention to detail, she strives to make the entire mortgage experience as seamless as possible. She looks forward to helping you with your mortgage needs. A Virginia resident for the past 27 years, Nancy holds a BS in Business Management and lives with her husband, two children and two cats.

300 North Lee Street
Alexandria, VA 22314
Mobile 703-629-3226

NMLS# 1524904

Ahmed Hachim Ahmed Hachim
Vice President
Ahmed is passionate about helping his clients make one of the most important investments in their lives: buying a home. With more than 17 years of experience in the mortgage business, he has helped countless clients achieve their home ownership goals, whether buying a first home, moving up, or refinancing an existing mortgage. A long-time area resident, Ahmed holds a finance degree from American University, and speaks fluent Arabic and French in addition to English. Ahmed is eager to help new clients, and looks forward to the opportunity to earn your business.

300 North Lee Street
Alexandria, VA 22314
Mobile: 202-494-8018

NMLS# 584515


Member FDIC    Equal Housing Lender