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
Great job! Earnest kept me informed throughout the entire process
Reply from Earnest Haynes
April 3rd, 2026 06:33 PM
Thanks Sandy! It was great working with you!
Earnest was so understanding and very informative, he made me feel at easy with the process.
Reply from Earnest Haynes
April 3rd, 2026 06:33 PM
Thanks Mrs. Brown! Welcome to SC!
Very knowledgeable about this industry. The process was a smooth transaction from start to finish. Will work with Earnest again on our next real estate investment!
Reply from Earnest Haynes
April 3rd, 2026 06:33 PM
Thanks Leanne! I see you changed your mind about buying a new investment :)
I loved that I received a weekly email actually written by the lender (not an automated one) with the update of the loan. It made my job so much easier.
Reply from Earnest Haynes
April 3rd, 2026 06:33 PM
Thanks Johanna! It was a pleasure working with you as well!
Earnest has the patience of JOB he explained things over and over again until we understood everything. He also came out to our home more than once to help us fill out paperwork.
Easy to understand took time to teach me and tell me everything I need to know
Earnest explained everything to me until I understood everything. I was never rushed to sign anything.
Earnest made sure to communicate with me and my client every step of the way! He was able to keep my client well informed and gave him notice on the next process!
Earnest was an amazing loan officer. He took over my loan process after the initial application was submitted due to a previous officer moving positions. He took his time and explained every step of the process. Earnest was very responsive...
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Reply from Earnest Haynes
April 3rd, 2026 06:33 PM
It was an absolute pleasure working with you and your family! You can always reach out with questions!!! lol
Earnest is the smartest person I know
Reply from Earnest Haynes
April 3rd, 2026 06:33 PM
Thanks Mr. Williams. Always a pleasure :)
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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.