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
I cant say enough about Earnest. Professional, fast but thorough, honest. One of those guys you know has a good heart.
That's really all you need to know.
Thanks again Earnest
Reply from Earnest Haynes
April 3rd, 2026 06:33 PM
Thank you Mr Johnson! I really appreciate the kind words! It was a pleasure to help you and thanks for choosing me!
Excellent service and communication through the whole process.
hard to explain but it's perfect job
Quick and friend service
Earnest made the whole experience very personal
Reply from Earnest Haynes
April 3rd, 2026 06:33 PM
I'm delighted to hear that you had a great experience, Jacqueline! Your feedback means a lot to me. I always strive to provide a personal and speedy service to ensure the best possible encounter for our customers. Thank you for taking the time...
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I’m sure I wasn’t their only buyer, but Earnest and his team made me feel like I was their top priority. Never too busy for a question or advice. It was a smooth and pleasant experience from day one. Earnest’s expertise and extensive knowledge...
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Reply from Earnest Haynes
April 3rd, 2026 06:33 PM
I'm truly humbled by your kind words, Bernadine. Ensuring your satisfaction and making you feel prioritized is central to our mission at Lower (Thrive). We strive to make every transaction as smooth and pleasant as possible. I'm pleased to...
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Mr Hanyes was always ready to explain each action, step and process that came with home ownership he never ever talked down to us when we explained we were really not tech savvy if anything he took extra time to walk us through the process...
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Reply from Earnest Haynes
April 3rd, 2026 06:33 PM
I'm thrilled to read your kind words, David. It was my pleasure to guide you through the homeownership process. I understand that technology can be a hurdle sometimes, and I'm glad I could help walk you through it. Your trust in me is sincerely...
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Consistency on getting things done! It exceeded my expectations!
Reply from Earnest Haynes
April 3rd, 2026 06:33 PM
I'm delighted to hear that you had a positive experience with us at Lower (Thrive), Andrea. Your feedback is very much appreciated, especially your comments on the consistency of our service. It's always our goal to exceed expectations and...
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Great communication! Didn’t over promise! Exceeded expectations and very easy to work with. Very patient!
Professional, timely response, accurate information and exceptional service.
Reply from Earnest Haynes
April 3rd, 2026 06:33 PM
Thrilled to hear such positive feedback, Melissa! I am committed to providing professional and timely service, so it brings me joy to know that you found my information accurate, and the service exceptional. Your satisfaction serves as a reminder...
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From the very start, I feel very important to Mr. Ernest. And he have shown me so much grace and I just can't even put into words how thankful I am to him. Thanks so much Ernest with all my heart you are the best!!!
Reply from Earnest Haynes
April 3rd, 2026 06:33 PM
Thank you for your kind words, Diane. It is truly heartwarming to know that my efforts were appreciated. Your feedback motivates me to strive for excellence in my work. I'm grateful for having the opportunity to serve you and I'm delighted...
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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.