Trey Howard
Senior Loan Officer
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
Wed
9 AM to 5 PM
Thu
9 AM to 5 PM
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Reviews from Web
The Howard team is amazing! They made the whole experience of buying my first home easy and smooth. The team is very thorough and transparent on what to do and what not to do. Not only do they get the job done quickly and seamlessly, they are...
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Reply from Owner
September 27th, 2023 03:14 AM
Thank you so much, Kelsie! We greatly appreciate you and your trust in our team!
Trey Howard has received a review with 5 star rating from Riley B
That everyone worked to the best of their ability and i felt really taken care of.
Kept me informed of all changes
Communication was great. Everything done in timely matter and if any questions was a le to talk and get guidance on what to do.
Reply from Owner
August 31st, 2026 01:42 PM
Ben, I appreciate your feedback on the communication and timely service you experienced. I'm glad I could provide guidance whenever you needed it.
Everything was pretty easy and you all makee it super easy for me me other than all the documents i had to try and come up with to uplaod to you . Ruoff site was awesome other than most of the time it wouldnt allow me to upload documents and...
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They stayed on top of things really well and made sure I could get the best rate possible. Absolutely wonderful to work with and made my first time buying a house a lot less stressful.
Reply from Owner
August 3rd, 2026 04:26 PM
I'm glad to hear that we could help make your first home-buying experience less stressful, Alaina. It's great to know you felt well-supported throughout the process. If you have any more questions or need assistance in the future, I'm here...
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The team was incredibly communicative, efficient, and detail-oriented throughout my buying experience. From application to closing, I could not have asked for a better experience as a first-time homebuyer! Thank you for everything!
Reply from Owner
July 21st, 2026 02:35 PM
I'm thankful for your kind words, Brian. I'm glad we could provide such a positive experience for you as a first-time homebuyer. It's great to hear that our communication and efficiency met your expectations from start to finish. Appreciate...
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The Ruoff team was incredibly communicative, efficient, and detail-oriented throughout my buying experience. From application to closing, I could not have asked for a better experience as a first-time homebuyer! Thank you for everything!
Reply from Trey Howard
October 13th, 2026 06:19 PM
I'm thankful for your kind words, Brian. It's great to hear that the Ruoff team could provide such a positive experience during your first home purchase. If you ever need anything in the future, please don't hesitate to reach out.
Trey Howard has received a review with 5 star rating from Tyler P
Reply from Owner
July 13th, 2026 09:51 AM
Thank you for the great rating, Tyler. I appreciate your support!
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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 Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Down Payment Assistance
Conventional Home Loan
Mortgage Refinance
USDA Loans
Qualified Mortgage Pre-Approvals
Non-QM
Self-Employed Mortgages
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Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS# 2217156
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.