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
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closed
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closed
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Reviews from Web
This process with iEarnest has been top notch. He was very responsive and communication was great. He kept me updated every step of the way with my client. I would definitely recommend him.
Earnest kept the entire team informed each step of the way. He responded to every emailed and phone call in a timely manner and helped to get my client to closing table earlier than anticipated! Earnest did a top notch job!!!
Reply from Earnest Haynes
April 3rd, 2026 06:33 PM
Thanks Melissa! It was a pleasure working with you as well!
He was very good at communicating everything thoroughly. Answered all of my questions to help me get a better understanding of what was going on and made the end of my process very easy.
Reply from Earnest Haynes
April 3rd, 2026 06:33 PM
Congrats on your closing John! Best of luck to you and your family. Thanks for the kind words!
you were a pleasure to work with
From the time Earnest came in, I will say that things were so much better with him assisting me over the first assistant. He took his time and explained all the many questions I had when we first met.
Great communication and service
Reply from Earnest Haynes
April 3rd, 2026 06:33 PM
I'm thrilled to hear that you were satisfied with the communication and service provided, Teeona. Your 5-star rating is greatly appreciated. It was a pleasure assisting you with your mortgage needs at Thrive Mortgage. Looking forward to serving...
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VERY PROFESSIONAL!!
Reply from Earnest Haynes
April 3rd, 2026 06:33 PM
I'm thrilled to hear that you found my services professional, Tierra! Your 5-star rating means a lot to me and the entire Thrive Mortgage team. It was a pleasure working with you, and I look forward to assisting you in the future. Please feel...
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Happy to explain the numbers Multiple times. Always made sure I understood.
Reply from Earnest Haynes
April 3rd, 2026 06:33 PM
I'm glad to hear that you found our meetings helpful, Tina. It's important to me that all my clients fully understand their financial options, so I'm always happy to go over the numbers as many times as necessary. I'm thrilled that you had...
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Great customer service experience, willingness to answer each question that was asked, hard work and dedication when provided documentations to get me a step closer to becoming a homeowner. Definitely 1000/10 and would highly recommend.
Reply from Earnest Haynes
April 3rd, 2026 06:33 PM
I'm thrilled to hear your positive feedback, Alexis. It was my pleasure to guide you through each step of the home buying process, answering your questions, and providing the necessary documents. I'm dedicated to making sure every client feels...
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Ernest was a pleasure to work with. Very communicative
Reply from Earnest Haynes
April 3rd, 2026 06:33 PM
I'm glad to hear that you found our interactions to be pleasurable, Ebony. Communication is key in my line of work at Thrive Mortgage, so it's encouraging to hear that my efforts were well-received. I aim to provide such positive experiences...
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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.