ANDREW HARKINS

ANDREW HARKINS

Area Market Manager

aharkins@baycapitalmortgage.com

443-223-7066

NMLS# 134679

PA NMLS#35095

Andrew Harkins has spent more than two decades helping individuals and families navigate one of the most important financial decisions of their lives: buying a home.

Originally born in Baltimore, Maryland, Andrew spent his early years in Joppatowne before moving to Pennsylvania during his freshman year of high school. Pennsylvania has been home ever since.

Andrew’s professional path did not begin in finance. It started in the kitchen. His first career was as a chef, where he developed a strong work ethic, attention to detail, and a passion for serving others. In 2005 he transitioned into the mortgage industry and discovered his passion for helping people achieve homeownership and build long term financial stability through real estate.

Over the years Andrew has built his business largely through relationships and referrals. His philosophy is simple. Treat every client the way you would want your own family treated. That means clear communication, honest advice, and helping people feel confident and comfortable throughout the entire loan process.

Andrew lives in Felton, Pennsylvania with his wife Stephanie and their three children, Ryan, Sloane, and Hudson. Just about a mile down the road, his parents maintain a small hobby farm with a few horses and hay fields. Growing up around that environment helped shape the values Andrew carries into his work today including hard work, humility, and taking care of the people around you.

When he is not working with clients, Andrew enjoys spending time with his family, staying active, and enjoying the outdoors. He believes homeownership is about more than financing. It is about creating a place where life happens and memories are made.