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
An exceptional team with a robust offering and a true focus on their clients. You can't go wrong with the Howard Team!
Reply from Trey Howard
October 13th, 2026 06:19 PM
Thank you, Bob for your kind words. We appreciate you!
An exceptional team with a robust offering and a true focus on their clients. You can't go wrong with the Howard Team!
Reply from Owner
September 27th, 2023 03:14 AM
Thank you, Bob for your kind words. We appreciate you!
The best customer service! They answered all of my questions, gave great feedback, and were always available when I needed them! Highly recommend!
Reply from Owner
September 27th, 2023 03:14 AM
Thank you, Jessica. We greatly appreciate you and your family!
The best customer service! They answered all of my questions, gave great feedback, and were always available when I needed them! Highly recommend!
Reply from Trey Howard
October 13th, 2026 06:19 PM
Thank you, Jessica. We greatly appreciate you and your family!
Simply amazing. Personable, kind, and knowledgeable.
Reply from Owner
September 27th, 2023 03:14 AM
Thank you Chrystina! We hope you enjoy your new home!
Simply amazing. Personable, kind, and knowledgeable.
Reply from Trey Howard
October 13th, 2026 06:19 PM
Thank you Chrystina! We hope you enjoy your new home!
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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.