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 was very pleased with the communication. We were always updated and my client was extremely pleased with the process and the time Earnest spent educating her on the each line item. Looking forward to working with Earnest again.
Reply from Earnest Haynes
April 3rd, 2026 06:33 PM
Thanks Gleshia! I look forward to the next one!
Earnest was amazing! He was incredibly helpful and informative every step of the way. I will gladly reccomend him to others!
Reply from Earnest Haynes
April 3rd, 2026 06:33 PM
I'm profoundly grateful for the kind words and the excellent review, Sara. It was a great pleasure to assist you. I pride myself on being able to provide helpful and informative service during this significant process. Thank you for choosing...
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The education I received on my options, as well as the constant clear communication during the process of securing my loan made for a great experience.
Reply from Earnest Haynes
April 3rd, 2026 06:33 PM
I am truly grateful for your kind words, Kaity. It was a pleasure guiding you through your mortgage options and assisting you in securing your loan. Your satisfaction is my top priority and I'm delighted to hear that you found the process educational...
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Being a first time homebuyer Earnest made it a GREAT EXPERIENCE.
Reply from Earnest Haynes
April 3rd, 2026 06:33 PM
Thanks Samora!!! I'm glad we were able to connect! Congratulations on your first home!!!!
Ernest was very quick to reply to resolve all concerns.
Reply from Earnest Haynes
April 3rd, 2026 06:33 PM
Thank you! It was a pleasure working with you and your wife. I really appreciate you two trusting me with your new home!!! Thanks for the kind words!!
Earnest is fantastic! 10++++He has an abundance of options for all of your lending needs! Our loan experience has been smooth and the communication with he and his team has been wonderful! I’m looking forward to sharing my amazing experience...
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Reply from Earnest Haynes
April 3rd, 2026 06:33 PM
Thanks Thea!!! Coming from someone else in the same industry that means a lot to me! I really appreciate you trusting me with your purchase!!! I look forward to working with you again in the future!! :)
Earnest is always a call away! He will always clear up any miscommunication and provide a prompt and needed resolution to anything. He is very knowledgeable about his line of work and always makes our investing transactions smooth. He is the...
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Reply from Earnest Haynes
April 3rd, 2026 06:33 PM
3rd time is a charm!!! Thanks for continuing to trust me in your home purchasing needs! I really appreciate you!
They will walk you through the process step by step.
Reply from Earnest Haynes
April 3rd, 2026 06:33 PM
Thanks Mr. Sanders!!! I appreciate it!
Earnest gave me clear and direct details about every little thing which helped me know more about what I was buying and how the process worked.
Reply from Earnest Haynes
April 3rd, 2026 06:33 PM
I'm truly grateful for your feedback, Jacob. It's my job to ensure that all my clients are well-informed and comfortable throughout the mortgage process. I'm glad that my detailed explanations served you well. Your 5-star rating is highly appreciated....
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Great communication
Reply from Earnest Haynes
April 3rd, 2026 06:33 PM
I appreciate your kind words, Adam. Communication is the backbone of a successful business relationship, so I'm glad to see that you were satisfied with ours. I aim to make every interaction with Thrive Mortgage as straightforward and efficient...
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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.