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
Business Hours
Thu
8 AM to 7 PM
Fri
8 AM to 7 PM
Sat
closed
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Reviews from Web
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.
It was a great experience
Reply from Earnest Haynes
July 20th, 2026 07:49 PM
Stafford, I'm glad to hear that you had a great experience. If there's anything more I can assist you with, please let me know.
Ernest was very helpful and explained every step of the way with getting a loan. He was very patient and kind. Ernest made this process very smooth. I loved that he was very attentive and always answered any questions i had. I would highly...
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Reply from Earnest Haynes
July 8th, 2026 01:24 PM
Aerial, I'm grateful for your kind words and pleased to know that you found the loan process smooth and informative. It's important to me to be attentive and answer any questions you have. Thank you for your recommendation, and if you need...
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Everything that was done during my tranaction of purchasing a home was done so well, very informative, kept me up to date of everything going, pertaing to dates of certain paperwork needed to complete the process at hand. I would rfecommend...
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Reply from Earnest Haynes
July 3rd, 2026 06:22 PM
Cynthia, I appreciate your kind words and am so pleased to hear that you had a great experience throughout your home purchase. Keeping you informed and ensuring a smooth process was my priority, and I'm thankful for your recommendation. If...
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communiation was on point
Reply from Earnest Haynes
June 29th, 2026 05:38 PM
Melanie, I'm happy to know that you found the communication to be on point. If there's anything else you need, please feel free to reach out.
Customer service was everything. Ernest Haynes as his team was outstanding with keeping me informed with pertinent details. My best interest was his number priority. He is very knowledgeable in his line of interest. I will recommend family...
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Reply from Earnest Haynes
June 23rd, 2026 02:10 PM
Thank you for your kind words, Audry. I'm grateful to hear that you felt well-informed and prioritized throughout the process. Your recommendation means a lot to me, and I'm here if you or anyone you know needs further assistance.
Earnest and his team were great to work with. He walked me through the process step by step and was always available anytime I had any questions. I would definitely recommend him to others.
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.
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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
Primary Serving Area
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.