Earnest Haynes
Loan Officer
At Lower we understand the importance of home financing. We have the knowledge and experience you can count on to deliver a simple and hassle free lending experience. Whether you are buying your first home, refinancing or moving up, Lower ...... Show More
Location & Business Hours
Friday
8:00 AM to 7:00 PM
Saturday
closed
Sunday
closed
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Reviews from Web
Earnest is the absolute GOAT. bar none. Clock it. Legally change his name to Himothy.
Reply from Earnest Haynes
May 14th, 2026 12:20 PM
Much appreciated Stephen! Thanks for trusting me with your families first home purchase! It was a pleasure working with you and your wife. I'll work on that name change expeditiously!
Earnest was very helpful and knowledgeable.
Reply from Earnest Haynes
April 20th, 2026 12:31 PM
Thank you for your kind words, Jeffery. I'm glad I could assist you and provide the help and knowledge you needed. If you have any more questions or need further assistance, please don't hesitate to reach out.
Fast and efficient
Reply from Earnest Haynes
April 16th, 2026 01:50 PM
I'm pleased to hear that you found the process fast and efficient, Bonai. If there's anything else you need or any questions you have, please feel free to reach out.
i Would please with the support that was give, makin sure I understood every document. Everything was well explained. The turn around time was in a timely matter. The app was very helpful to upload all the documents. This was a wonderful experienc....
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Reply from Earnest Haynes
April 13th, 2026 02:10 PM
I'm happy to hear that you were pleased with the support and clarity provided throughout the process, Chelsey. It's great to know that the app was helpful for uploading documents and that you found the experience to be appreciated. If you have...
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Great service
Reply from Earnest Haynes
April 10th, 2026 05:37 PM
I'm grateful for your feedback, Cookie. I'm glad to hear you were satisfied with the service. If you have any more questions or need assistance in the future, feel free to reach out.
Earnest was very great to work with, Home buying is not an easy process and he answered every question I had and gave so much helpful information I didn't even know I needed. Very timely in his response and just overall very knowledgeabl.
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Reply from Earnest Haynes
April 10th, 2026 05:24 PM
Thank you for sharing your experience, James. I'm pleased to know that the information I provided was helpful throughout your home-buying journey. I strive to offer prompt responses and ensure that my clients have all the support they need....
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Ernest was with me from day one. He guided me through the home buying and securing a mortgage effortlessly. Huge support system. Available and ready for any questions or concerns. He made what can be a tedious process so much easier. He's the...
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Reply from Earnest Haynes
April 21st, 2026 04:29 PM
Thank you so much for your kind words, Cherri. I'm glad I could support and guide you through the home buying and mortgage process. It’s great to hear that I could make the experience easier for you. Congrats again on your new home!
Earnest was very helpful, sometimes you feel it's not working but with him explaining things really helps, which I really appreciate. Thank you Earnest.
Earnest was very clear and thorough and was on top of everything, completing steps quicker than other lenders we have worked with in the past.
everyone communicated in a timely fashion
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About
At Lower we understand the importance of home financing. We have the knowledge and experience you can count on to deliver a simple and hassle free lending experience. Whether you are buying your first home, refinancing or moving up, Lower offers a wide variety of mortgage products suited to fit the needs of our clients. With our industry leading customer service, we are sure to find the home financing that is right for you.
Products & Services
Mortgage Lender
FHA Home Loan
Conventional Home Loan
Mortgage Refinance
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Addresses and Serving Areas
Serving
Year Started
2016
Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS# 1281841
Disclaimer
© 2026 Lower, LLC | NMLS ID# 1124061 | 5950 Symphony Woods Road Suite 312 Columbia, MD 21044 | Equal Housing Opportunity | https://nmlsconsumeraccess.org/ | Not an offer of credit or commitment to make a loan; all approvals are subject to underwriting guidelines including but not limited to acceptable current credit worthiness, income history, debt ratio, etc. Loan programs & options are subject to change at any time. Rates will vary depending on your loan term, loan type, credit profile, down payment, and qualifying ratios. Rates can change daily. Some restrictions may apply. Lower conducts business in 47 states for licensing information please visit - https://www.lower.com/legal/license-information.