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
Thu
9 AM to 5 PM
Fri
9 AM to 5 PM
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Reviews from Web
Earnest was amazing! Made sure everything was clearly explained, was informative every step of the way, and quick to respond and answer questions. Very encouraging and definitely reccomend!
Reply from Earnest Haynes
April 3rd, 2026 06:33 PM
Thank you, Deseray, for your kind words and shining 5-star review. I'm overjoyed to know that you had a great experience working with me at Thrive Mortgage. Ensuring a clear understanding and quick responses to all your queries is always my...
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His serving is amazing and he followed the customer and find a solution for Best for the customer and for his company. It’s a pleasure to have a business on here. I would gladly give him my business again and again.
Reply from Earnest Haynes
April 3rd, 2026 06:33 PM
I'm truly humbled by your kind words, Janet. Your satisfaction is my ultimate reward and I'm pleased to know that you had a positive experience at Thrive Mortgage. It was a pleasure to assist you and I am always here for your future business...
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Earnest was the highlight of the experience. He was knowledgeable, honest, and patient. His professionalism is unmatched. We appreciate you getting us to the closing table.
Reply from Earnest Haynes
April 3rd, 2026 06:33 PM
Thank you, Velvet, for taking the time to leave such a kind review. It was my pleasure to assist you throughout the process. I'm glad to hear that my approach helped make your experience positive. At Thrive Mortgage, we aim to provide the best...
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Earnest advocates for your to get the job done. While other lenders give the reason why they can’t do the deal, Earnest provides optimism and guidance to get the deal done!
Reply from Earnest Haynes
April 3rd, 2026 06:33 PM
I appreciate your kind words, Jeffrey! I'm elated to hear that you were satisfied with the service that you received. It's clients like you that make my job worthwhile and I am indeed grateful for your trust in me. I aim to provide optimism...
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Earnest made the home buying experience so smooth for us. He was very helpful and was always asking if we had any questions or concerns throughout the entire process. Overall great experience and really appreciated his hard work and dedication....
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Reply from Earnest Haynes
April 3rd, 2026 06:33 PM
Kamerin, I sincerely appreciate your kind words and the time you took to share your experience. Ensuring a smooth home buying process and being there for you at every step of the way was my utmost priority. Your satisfaction is what motivates...
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You are working with the LO GOAT!
Reply from Earnest Haynes
April 3rd, 2026 06:33 PM
Say it louder for the people in the back! I appreciate you and your clients Xavier!!!
Earnest is an amazing advocate for his clients. He is extremely professional and understands the importance of communicating milestones with everyone involved in the transaction all throughout the process. His knowledge and expertise will make...
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Reply from Earnest Haynes
April 3rd, 2026 06:33 PM
I really appreciate that, Thea! Much can be said about you! Always a pleasure assisting you and your clients! I'm looking forward to the next one!
Earnest was wonderful and very attentive throughout the entire process. His communication was excellent with both myself and my realtor. -Amber
Reply from Earnest Haynes
April 3rd, 2026 06:33 PM
I sincerely appreciate your thoughtful review, Amber. It was truly a pleasure assisting you throughout the process. I believe in maintaining excellent and clear communication with all my clients and their realtors to ensure the best possible...
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Earnest called me every step of the way during the process of the mortgage, to make sure I understand what is needed and why.
Reply from Earnest Haynes
April 3rd, 2026 06:33 PM
Thank you so much for the review! Welcome to SC!
good experience
Reply from Earnest Haynes
April 3rd, 2026 06:33 PM
Thanks Tyjuan! Looking forward to the next one!
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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.