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
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 is awesome! I love working with him and will continue to send my clients for a wonderful home buying experience!
Reply from Earnest Haynes
April 3rd, 2026 06:33 PM
Elisha! Thank you! I'm so appreciative you trust your clients with me. I think you are an equally AMAZING realtor AND broker in charge! I look forward to doing many more deals with you in the future!
Earnest made sure to keep me informed on every step of this process. Earnest was there to answer and address any questions or concerns I had about the process. Even with last minute changes I made to my choice insurance, Earnest was able to...
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Reply from Earnest Haynes
April 3rd, 2026 06:33 PM
I appreciate that Keon! It was a pleasure working with you....both times lol. Kuddos to you for having everything together which always makes the process even smoother. Thanks for the business! Looking forward to the next time!
Earnest was a pleasure to work with. Extremely communicative, knowledgeable, and aware of everything going on. I never had to question what my next step was. Highly recommend!
Reply from Earnest Haynes
April 3rd, 2026 06:33 PM
Thank you! Thanks for allowing me to help you with your families "forever home". I know you'll make it amazing!
Earnest was a pleasure to work with and kept me informed on the status of the loan and closing. He was always available for questions!
Reply from Earnest Haynes
April 3rd, 2026 06:33 PM
Thank you Charlotte! It was a pleasure! I look forward to working with you again! Let me know if I can help!
Earnest is GREAT at his job!!! He is very knowledgeable and was available at all times to answer any and all my questions. Earnest prepared me for everything throughout the entire process. I could pick-up my phone to text and call Earnest at...
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Reply from Earnest Haynes
April 3rd, 2026 06:33 PM
It was a pleasure! Congrats again on your new home!!
Earnest did a great job communicating with me and keeping me informed on what was going on. He also went above and beyond to help my client get closed as soon as possible.
Reply from Earnest Haynes
April 3rd, 2026 06:33 PM
Thanks Michael! I appreciate you too! I'm glad everything worked out on both sides of this deal!
Excellent lender, with great service. I will highly recommend Earnest to all of my future clients.
Reply from Earnest Haynes
April 3rd, 2026 06:33 PM
Thanks Jakell! Look forward to closing more loans soon!
Earnest, Earnest, Earnest. His communication is top notch and myself or my clients couldn’t have asked for a smoother transaction.
Reply from Earnest Haynes
April 3rd, 2026 06:33 PM
Thanks Larry! I appreciate you just as much! You're a great partner to have and one of the best to do what you do!
Earnest is excellent in what he does! Always communicate effectively. Every client I’ve sent to Earnest always has a plan to get to the closing table.
Reply from Earnest Haynes
April 3rd, 2026 06:33 PM
Thanks Brittany! I appreciate that! But team work makes the dream work! So thank you for all you do too!
Mr. Haynes was very professional and knowledgeable. He is a great communicator and I really admired his work ethic. Thank you Mr. Haynes for making this experience unforgettable!!!
Reply from Earnest Haynes
April 3rd, 2026 06:33 PM
Thanks Ms. Reddick! It was a pleasure working with you! My team loved working with you as well!!!
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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.