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
Sat
closed
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closed
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Reviews from Web
Earnest was a great source of information for myself as well as my client! He also communicated efficiently about all aspects of the process.
Reply from Earnest Haynes
April 3rd, 2026 06:33 PM
Thanks Dessiree!!! It's always a pleasure doing business with you!!!
- Excellent communication skills.- Knowledgeable about the services.- He has a passion for helping everyone become a homeowner, which is evident by his dedication to keeping you informed about the process and also by educating you along the...
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Reply from Earnest Haynes
April 3rd, 2026 06:33 PM
Thanks Shemika! We made it! I do love to educate! Anyone who really wants to become a homeowner can be one! It was a pleasure helping you and your family!
Communication
Ernest is awesome, personable, fast, and efficient. He is our go to lender for our rental properties.
Reply from Earnest Haynes
April 3rd, 2026 06:33 PM
Thanks Leanne!! I appreciate you!
Earnest made sure to keep everyone informed of what was going on during the transaction. He was readily available and willing to answer any questions that I had. He is a wonderful asset to the Thrive Mortgage team!
Reply from Earnest Haynes
April 3rd, 2026 06:33 PM
Thanks LawRosa! it was a pleasure working with you as well! I look forward to many more deals!
The entire experience
Reply from Earnest Haynes
April 3rd, 2026 06:33 PM
Thanks Reggie! I appreciate you for choosing me again!
What a great experience as a first time buyer to work with Earnest Haynes, he was very knowledgeable and informative and he explained every process to us. He was always available for any questions that we had. And he was able to comfort and...
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Earnest is always willing to assist. He communicates effectively with me and my clients letting us know every detail during the process. I can’t thank him enough for his expertise and willingness to help.
All my questions were answered. I was never left wondering. I trusted the advice given to me. I am very thankful I chose Earnest & Thrive to help me buy my first house :)
Reply from Earnest Haynes
April 3rd, 2026 06:33 PM
Thanks Britney! It was a pleasure working with you! Early congrats on your new home!
Earnest is very thorough with my clients and explain things so they can understand what's going on. His communication is top notch and he's very knowledgeable!
Reply from Earnest Haynes
April 3rd, 2026 06:33 PM
Thank you! Thank you so much for trusting your clients with me! I appreciate you!
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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.