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
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
Knowledgeable and pleasant
Reply from Earnest Haynes
April 3rd, 2026 06:33 PM
Thanks Jamiea! I look forward to deals in the future with you!
Everyone was communicating so we all was on the same page during this process.
Reply from Earnest Haynes
April 3rd, 2026 06:33 PM
I'm thrilled to hear that you had such a positive experience with us at Thrive Mortgage, Torry! Clear and consistent communication is a crucial part of our work, and it's fantastic to know that this aspect of our service stood out to you. Your...
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He was willing to take time and explain things in a way that made sense to me. He was also very prompt when I would reach out with questions. His patience and kindness were also very much appreciated.
Reply from Earnest Haynes
April 3rd, 2026 06:33 PM
I'm so grateful for your feedback, Jeananne. I'm pleased to hear that my commitment to timely and helpful responses resonated with you. It's always my goal to ensure that complex processes are made understandable for my clients. Thank you for...
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Earnest was very communicative and professional the entire time as I was buying my first home. I felt like we were on the same page through out the entire process and he never hesitated to answer any questions that I had. He made my first time...
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Reply from Earnest Haynes
April 3rd, 2026 06:33 PM
Chua, thank you for taking the time to write such a glowing review. I'm thrilled to hear that you felt supported and informed throughout your first home buying journey - that's always my goal. Your positive feedback makes all the hard work...
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Earnest was very helpful the way he explained everything I was comfortable calling on him for things I wasn't sure of, always very clam, I will recommend him anytime!
Reply from Earnest Haynes
April 3rd, 2026 06:33 PM
Thank you! It was pleasure working with you! Looking forward to many more!
The line of communication was very good.
Very professional and honest.
Reply from Earnest Haynes
April 3rd, 2026 06:33 PM
I am truly grateful for your kind words, Marvin. It is always my goal to provide clear, honest communication, and professionalism to all my clients. Your positive feedback is much appreciated and it will definitely motivate me to continue delivering...
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Great communication, gives good advice and doesn’t over promise . Appreciate his efforts!
Reply from Earnest Haynes
April 3rd, 2026 06:33 PM
I appreciate you! Thank you for being an amazing realtor and friend!
Couldn't ask for better service
Reply from Earnest Haynes
April 3rd, 2026 06:33 PM
I'm thrilled to hear that you found my service satisfactory, David. Your positive feedback means a lot, and it was a pleasure assisting you. I strive to provide the best service at Thrive Mortgage and it's reassuring to know that I was able...
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Earnest is the best! He always goes above and beyond when assisting my buyer clients!
Reply from Earnest Haynes
April 3rd, 2026 06:33 PM
I appreciate you!! It's always a pleasure working with someone who equally cares about their client like you do!! Thanks for the kind words!
Everything
Reply from Earnest Haynes
April 3rd, 2026 06:33 PM
Thanks for the high rating, Jarell! I'm glad to hear you had a positive experience. If you have any questions in the future or need further assistance, please don't hesitate to reach out.
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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.