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
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
You guys are amazing!
Reply from Trey Howard
October 13th, 2026 06:19 PM
Hi Kelsie. Thanks for the kind words and for being our valued customer. We appreciate you putting your trust in Trey and the Ruoff Mortgage team.
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...
read more
Reply from Trey Howard
October 13th, 2026 06:19 PM
Thank you so much, Kelsie! We greatly appreciate you and your trust in our team!
These Guys really do bring it when it comes to Mortgage Lending! By Far our Favorite Lenders to work with from the Escrow Side! Hands down my favorite referral partner!!!
Reply from Trey Howard
October 13th, 2026 06:19 PM
Thank you, Jordan! We appreciate your trust in our service to mutual clients tremendously!
These Guys really do bring it when it comes to Mortgage Lending! By Far our Favorite Lenders to work with from the Escrow Side! Hands down my favorite referral partner!!!
Reply from Owner
September 27th, 2023 03:14 AM
Thank you, Jordan! We appreciate your trust in our service to mutual clients tremendously!
Eileen and Trey are excellent! It was wonderful to have lunch with them, and I am extremely happy to share Ruoff Mortgage with my buyers. They do awesome work!
Reply from Trey Howard
October 13th, 2026 06:19 PM
Thank you so much, Kelly!
Eileen and Trey are excellent! It was wonderful to have lunch with them, and I am extremely happy to share Ruoff Mortgage with my buyers. They do awesome work!
Reply from Owner
September 27th, 2023 03:14 AM
Thank you so much, Kelly!
Trey is an excellent lender. He gets it, He follows through. It can be hard to find lenders who can effectively navigate the loan landscape. Trey not only gets you the best loan, but he's also there when you need him. As someone who has worked...
read more
Reply from Trey Howard
October 13th, 2026 06:19 PM
Thank you kindly, Harley!
Trey is an excellent lender. He gets it, He follows through. It can be hard to find lenders who can effectively navigate the loan landscape. Trey not only gets you the best loan, but he's also there when you need him. As someone who has worked...
read more
Reply from Owner
September 27th, 2023 03:14 AM
Thank you kindly, Harley!
This team rocks. The market may move, but good or bad, this team is steady as rock. Eileen and her team have the knowledge and experience to help all your buyers, friends and family.
Reply from Owner
September 27th, 2023 03:14 AM
Thank you, Tony!!!
This team rocks. The market may move, but good or bad, this team is steady as rock. Eileen and her team have the knowledge and experience to help all your buyers, friends and family.
Reply from Trey Howard
October 13th, 2026 06:19 PM
Thank you, Tony!!!
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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.