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
As a first time homebuyer Earnest kept me informed of everything going on with my loan start to finish he notified me immediately when he knew something, and answered all my questions I highly recommend Earnest as a loan officer
Reply from Earnest Haynes
April 3rd, 2026 06:33 PM
I'm truly glad to hear that you had a positive experience working with me, Heather. Being a first-time homebuyer can be an exciting yet daunting process. Thus, my primary goal has always been to keep my clients well-informed and comfortable...
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Earnest not only gave us great advice but he also stayed on top of everything professionally
Reply from Earnest Haynes
April 3rd, 2026 06:33 PM
I'm absolutely thrilled to hear your positive feedback, Dominique. It was my pleasure to guide you and ensure your experience with Thrive Mortgage was smooth and professional. It's fantastic to know that you felt well-advised and supported...
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What made it so GREAT was Earnest took the time and HELPED me to understand the whole mortgage process in getting a new home. He CARED & was very concerned by making sure I understood and if I didn't he would take the time to explain everything...
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Reply from Earnest Haynes
April 3rd, 2026 06:33 PM
Awwww! Thanks Shermeika!!! It was 100% a pleasure helping you. WE MADE IT!!! 😁 Congratulations again!
Very professional and kept me up to date on the process. Took the time to explain and answered any and all questions I had.
Earnest is very responsive and explains the process very well step by step.
Reply from Earnest Haynes
April 3rd, 2026 06:33 PM
Thanks Jovonne! I look forward to the next one!
Earnest was great from start to finish.He made the process easy if I had any questions he answered them in a timely manner he was very professional and helpful. I'm glad I had the chance to work with him for my first home buying experience...
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Reply from Earnest Haynes
April 3rd, 2026 06:33 PM
Thank you so much for your kind words, Thomas! It was a pleasure working with you and I'm so glad that you had a great first home buying experience. Thanks for trusting me with your family's first home! thank you for rating me 5 stars.
How he explains everything and how he works after hours
Reply from Earnest Haynes
April 3rd, 2026 06:33 PM
Thank you for taking the time to write a review! Enjoy your new home!
Everything
Earnest walked with me through each step. He made me feel comfortable about the whole process.
Reply from Earnest Haynes
April 3rd, 2026 06:33 PM
Thanks for the great review! I hope you enjoy your new home!!!!
He’s very knowledgeable, honest, and always does what’s best for the client.
Reply from Earnest Haynes
April 3rd, 2026 06:33 PM
Thanks Clifton! It was great doing business with you! I appreciate trusting me with your family! I look 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.