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Buying a home is one of the largest investments and most important decisions you'll ever make. Let one of our experienced loan officers help make your decisions a little easier. To eliminate home buying stress we will explain all the mortgage options to make the process simple and hassle-free.  We offer a variety of financing options, and you can count on us for flexible solutions and exceptional personal service.  

 

Joe Morel
Tracy Kirby
 

Joe Morel

Joe Morel is a 2002 graduate of Western Kentucky University and has been with Franklin Bank & Trust since August 2016. Joe is the Senior Mortgage Lender for Franklin Bank and serves both the Franklin and Bowling Green community. Joe is an active member in the South Central Kentucky community where he serves as President Elect on the National Advisory Board of Directors for the WKU Alumni Association, the Board of Director for the WKU Hilltopper Athletic Foundation, the Executive Board for the MBA of Southcentral Kentucky, and is the Kentucky Province President for Phi Delta Theta fraternity. Joe will begin the Graduate School of Banking at Boulder, CO in the summer of 2019.  Joe lives in Bowling Green with his wife, Christi, and their two children: Spencer and Jillian.

NMLS #1517415

Franklin Bank & Trust Co NMLS #493995



2305 Gary Farms Blvd
Bowling Green, KY 42104
Phone: 270-901-4399
Fax: 270-901-4381


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Tracy Kirby

Tracy Kirby has been with Franklin Bank & Trust since January 2012 and has over fourteen years of mortgage banking experience. She worked in property management prior to her time in the mortgage industry. Tracy serves the communities of Kentucky and Tennessee. She is a member of The Chambers of Commerce in Franklin, KY and in her hometown of Portland, TN, where she serves as an ambassador. She is an active member of Southern Kentucky Realtor's Association. She is most passionate about her ownership at Generation Church where she enjoys serving the community.

"It is my mission to provide you with excellent customer service, but what is most dear to me are the friendships that I will gain while assisting you with your mortgage financing."

NMLS #176365

Franklin Bank & Trust Co NMLS #493995


317 N Main St.
Franklin, KY 42134
Phone: (270) 586-2536
Fax: (270) 586-2560


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