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
Location & Business Hours
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
Very knowledgeable and reliable. He always go the extra mile!
Reply from Earnest Haynes
April 3rd, 2026 06:33 PM
Thanks Laketa! I definitely can say the same about you! Always a pleasure doing business with you! 😁
Earnest was well informed and provided a great deal of knowledge throughout the home buying process. He was very professional and patient with me. I would definitely recommend him (and already have) to other buyers!
Reply from Earnest Haynes
April 3rd, 2026 06:33 PM
We did it Ms. Bradley!!!! Way to hang in there for almost a FULL YEAR and being patient enough to find the house you loved! Thanks for trusting me with your first home purchase!
Mr. Haynes always had time for us and made sure we were informed through the whole process.
Reply from Earnest Haynes
April 3rd, 2026 06:33 PM
Thank you so much! Official welcome to SC :) See you at dinner soon!
Earnest was very thorough from the initial phone call until the Clear To Close. I am a first time homebuyer and I really did not have a lot of knowledge about how the lending side of the process worked. Earnest has basically taught me everything...
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Reply from Earnest Haynes
April 3rd, 2026 06:33 PM
Thank you for the review! You have to give yourself some credit too! You trusted my process and was always prepared. Congrats Ms. New Homeowner!!!!
Our broker Earnest was very professional, honest and trustworthy from day one. No matter how discouraging this journey became at times Earnest never stop encouraging us through this process. We have had several lenders / brokers but Earnest...
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Reply from Earnest Haynes
April 3rd, 2026 06:33 PM
Thank you soooo much Mrs. Woodard aka Mrs. Roberts lol. It was a pleasure helping you and Mr. Woodard on your home journey!!! Wishing you the best in your new home!
The communication and support that Ernest and his team provided in this transaction was stellar.
Reply from Earnest Haynes
April 3rd, 2026 06:33 PM
Thanks Chaka! Your professionalism is a big reason this deal got done! Look forward to many more deals together!
Communication
Reply from Earnest Haynes
April 3rd, 2026 06:33 PM
Thanks Josh!
Wasn’t fond of the app, did not find it user friendly nor did I find it updating me with info. It only notified me when needed my client went on the app. I did get the necessary info I needed from Earnest when needed though so overall the experience...
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Earnest was very knowledgeable and kept in constant communication with myself as well as the client and everyone else on the team.
His communication skills were so helpful and he helped guide me through the process
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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.