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
Location & Business Hours
Business Hours
Tues
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 entire process was smooth from start to finish. I especially appreciated the portal which allowed for the ease of submitting documents as well as seeing where we were at in the application process. It also cut down on back and forth emails....
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Reply from Trey Howard
October 13th, 2026 06:19 PM
Thank you so much! Working with you and your family was such a pleasure. Best wishes to you!
The entire process was smooth from start to finish. I especially appreciated the portal which allowed for the ease of submitting documents as well as seeing where we were at in the application process. It also cut down on back and forth emails....
read more
Reply from Trey Howard
October 13th, 2026 06:19 PM
I'm genuinely grateful for your generous feedback, Tasha. It's fantastic to hear that you appreciated our streamlined process and communication. We strive to make each stage as smooth as possible, and it's always a great pleasure to hear from...
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Trey Howard, Ruoff Mortgage has received a review with 5 star rating from Michael S
Reply from Owner
December 15th, 2023 05:28 PM
Thank you so much, Michael!
Trey Howard has received a review with 5 star rating from Michael S
Reply from Trey Howard
October 13th, 2026 06:19 PM
Thank you so much, Michael!
There is nothing I would have done different. Great experience for us , especially it being our first time buying a house. I feel my best interest was always at hand. Would not want to go with anyone else.
Reply from Trey Howard
October 13th, 2026 06:19 PM
Thank you so much, Michael! Serving you and your family was an absolute honor. We appreciate you greatly!
Very prompt with responses
Reply from Trey Howard
October 13th, 2026 06:19 PM
We were reflecting on past feedback and we came across your review detailing your experience with our mortgage financing services. We wanted to take a moment to express our gratitude for your openness in sharing your thoughts and we will always...
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Is was a quick and easy process I don’t believe there is anything that should be done differently.
Reply from Trey Howard
October 13th, 2026 06:19 PM
Thank you, Jared, for this wonderful review and the full 5-star rating. It's encouraging to hear that you found our process quick and easy—that's exactly what we aim for at Ruoff Mortgage. Your feedback reaffirms that we're on the right track....
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Everything surpassed our expectations. They were up front and honest. I would recommend to all family and friends!
Reply from Trey Howard
October 13th, 2026 06:19 PM
I'm sincerely delighted to hear that you had such a positive experience, Lilly. Your trust in me and the Ruoff Mortgage team is greatly appreciated. We strive to maintain transparency and exceed expectations in all we do, so your feedback means...
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Trey Howard, Ruoff Mortgage has received a review with 5 star rating from Bridget A
Reply from Owner
September 27th, 2023 03:14 AM
Thank you so much Bridget. It has been our pleasure to serve you and your family!
Trey Howard has received a review with 5 star rating from Bridget A
Reply from Trey Howard
October 13th, 2026 06:19 PM
Thank you so much Bridget. It has been our pleasure to serve you and your family!
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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.