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
Wed
9 AM to 5 PM
Thu
9 AM to 5 PM
Fri
9 AM to 5 PM
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Reviews from Web
Earnest was very up front about what was happening every step of the way. If we had questions he was there ready to answer them. He had great customer service and him/his team took great care of us!
Reply from Earnest Haynes
April 3rd, 2026 06:33 PM
Thank you so much for your kind words, Mazalenna! I'm so glad that we were able to help you out throughout the process. It was a pleasure working with you and your family! I'm glad that our team at Thrive Mortgage was able to provide you with...
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Earnest was extremely knowledgeable and was very understanding of our situation since we were overseas while buying the house. He went out of his way to make sure we understood everything and was easily available for any questions we had. We...
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Reply from Earnest Haynes
April 3rd, 2026 06:33 PM
I'm so glad we could make it all work even though you were overseas. I'm glad to have been of service to you and I'm always here if you need anything in the future. Thanks again for the 5-star rating!
Earnest was great from start to finish. I came in to this not knowing what I was doing and they came thru .. Would recommend them to any and everyone 😊 My first buying experience and he helped every step of the way .. 10/10 recommend .. Thank...
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Reply from Earnest Haynes
April 3rd, 2026 06:33 PM
Thank you so much, Shannon! I'm so glad I was able to help you through your first home buying experience. It was my pleasure in assisting you and I'm so glad you had a great experience. I hope you enjoy your "new" home! 😁
Amazing experience as always.
Reply from Earnest Haynes
April 3rd, 2026 06:33 PM
Thank you Aleisha! Thanks for being a great realtor partner as well!! 😁
Earnest is extremely knowledgeable and was able to make the process seamless and stress-free. His personality is relatable which made it comfortable for me to ask questions. I would certainly recommend anyone work with Earnest!
Reply from Earnest Haynes
April 3rd, 2026 06:33 PM
Thanks Brandi!!! It was amazing working with you too! Enjoy your new home!
Communication. Honesty time management
Earnest made the experience great. The company it's self not so much.
Earnest was excellent throughout this process and remains a friend after the process. He simplified this process by educating me along the way, personalizing our chats/text and he really met me at my level of understanding. I wish I had more...
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Reply from Earnest Haynes
April 3rd, 2026 06:33 PM
Thanks Angelic!!! You can have more for me to do! Refer me any family or friends looking to purchase or refinance! It was a pleasure working with you!
Earnest and his team are great! I look forward to our next deal together.
Reply from Earnest Haynes
April 3rd, 2026 06:33 PM
Always a pleasure dealing with a professional in the industry! Looking forward to the next one!
Earnest went above and beyond (even during his birthday vacation) to ensure that my home buying process was successful. I cannot thank him enough for sharing his valuable expertise and honest insights every step of the way. In no way from him...
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Reply from Earnest Haynes
April 3rd, 2026 06:33 PM
Thank you so much Antonio for the review! I'm glad I was able to assist and get you in your family into your new home! Congratulations again!
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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.