Earnest Haynes
Loan Officer | NMLS# 1281841
At Lower, LLC 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, L... Show More
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Business Hours
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9 AM to 5 PM
Thu
9 AM to 5 PM
Fri
9 AM to 5 PM
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Reviews from Web
Best loan officer I've ever referred my clients to and will every single time. Smooth from beginning to end and speaking as a Realtor, that very rarely happens in ANY deal. 💪🏾
Earnest Is very knowledgeable and patient He makes sure the agent and buyers are included in all communications and always knows what is next before moving to the next stage
Earnest is communicative every step of the process as it can be overwhelming especially for a first time buyer. Earnest was able to explain every step with me that made the process smooth on my end with no surprises.
Reply from Earnest Haynes
August 14th, 2026 12:41 PM
Thanks Jose! It was great working with you as well. Congratulations on your first home!
Mr.Haynes, played a very vital part of me staying on track when it came to the mortgage loan process. He made sure I understood each mortgage program I qualified for, while also listening to my wants and needs.In addition When I became frustrated...
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Reply from Earnest Haynes
August 14th, 2026 12:40 PM
Thank you for the kind words! It was a pleasure helping you on your dream of home ownership and generational wealth!
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!
The communication was great and the break down of the funds, taxes and rates where broken down and was easy to understand
Reply from Earnest Haynes
October 8th, 2026 03:53 PM
Christopher, I'm glad to hear that the communication and breakdown of funds, taxes, and rates were clear and easy to understand. At Lower, ensuring that the process is transparent and straightforward is always a priority for me.
Earnest was absolutely wonderful throughout the entire process. He was always upbeat and positive. He was very patient. He made the entire process as seemless as possible. I highly recommend that you use him whenever the need arises.
Very honest, communitive, and educated on the process.
Reply from Earnest Haynes
September 2nd, 2026 01:32 PM
VaMiche, I'm grateful for your kind words about my honesty and communication. It's important to me to be well-informed and share that knowledge with you during the process. If there's ever more I can do for you, please feel free to reach out....
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The consistency of communication, and attitude.
Reply from Earnest Haynes
September 1st, 2026 03:47 PM
Tatianna, I appreciate your positive feedback on my communication and attitude. It's great to know that these aspects were valuable to your experience. If you have any further questions or need assistance, feel free to reach out.
Earnest was amazing
Reply from Earnest Haynes
August 26th, 2026 01:45 PM
Thanks Amanda! It was a pleasure working with you as well!
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About
At Lower, LLC 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, LLC offers a wide variety of mortgage products suited to fit the needs of our clients. With our industry-leading customer service, we’re 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
Primary Serving Area
Year Started
2016
Time Zone
Central Standard Time (CST)
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.