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
Wed
9 AM to 5 PM
Thu
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!
Earnest was great at communicating every step of the way. He established great repor with my clients as well. Earnest has been a pleasure to work with.
Reply from Earnest Haynes
August 17th, 2026 11:49 AM
Thank you Ms. Cole! It is equally always great working with you as well! Looking forward to the next one !
Awesome 👏🏾
Reply from Earnest Haynes
August 17th, 2026 11:49 AM
Thanks Contrina!
A from start to finish loan officer. Earnest understand the clients and make sure they understand the process
Very Pleasant personality, knowlegeable and easy to work with.
Earnest was thorough, accessible, and responsive.
Reply from Earnest Haynes
July 23rd, 2026 03:35 PM
Yvonne, I'm pleased to hear that you found me thorough and responsive. Being accessible to answer your questions is important to me. If there's anything else you need, please don't hesitate to reach out.
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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.