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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Trey Howard has received a review with 5 star rating from Tiana D
Reply from Owner
July 12th, 2026 09:51 AM
Thank you for the perfect rating, Tiana. I appreciate your support and trust in me and Ruoff Mortgage.
Eileen was just amazing to work with. As someone who was not knowledgeable at all with the home buying process, she kept me educated and informed every step of the way. Consistently reaching out and communicating with me to make sure I knew...
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Reply from Owner
May 18th, 2026 05:40 PM
Thank you so much, Katie! It was so great working with you and hope you love and enjoy your new home!
Two of the very best in the business! Extremely personable and knowledgeable in their profession. They do what’s right for the client! Highly recommend.
Reply from Owner
April 7th, 2026 11:23 AM
Thank you for your positive feedback, Dusty. We’re committed to doing what's right for our clients, and your recommendation is truly valued. If there's anything we can do for you, we’re always here!
The whole team at Ruoff was exceptional. Eileen and Dawn teamed together and worked lightning fast. I have done 6 previous mortgages and my experience with Ruoff was far and above superior to any other mortgage company. They are extremely knowledgeable,...
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Reply from Owner
April 7th, 2026 11:22 AM
We appreciate your generous review, Jason. We’re pleased to hear that Eileen and Dawn, along with the team at Ruoff Mortgage, provided such a fast and knowledgeable service during your mortgage process. It's rewarding to know that our communication...
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Trey was wonderful to work with. Grant Kuhlwein had nothing but good things to say about him, and my wife and I as well. Trey did a great job explaining the process, and helping us make sure everything was done on time. Trey was also incredibly...
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Reply from Trey Howard
October 13th, 2026 06:19 PM
I appreciate your thoughtful review, Aaron. It’s great to know that you, your wife, and Grant had a positive experience working with me. Helping you understand the process and ensuring everything was completed on schedule is always important...
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Eileen and her team were so knowledgeable and extremely communicative. I had what I felt were challenging circumstances and they breezes right through them like they were nothing which tremendously helped me feel informed and confident throughout...
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Reply from Trey Howard, Ruoff Mortgage
January 2nd, 2026 04:58 PM
I'm grateful for your positive feedback, Scott. It's wonderful to know that the team at Ruoff Mortgage could provide the support and communication you needed. I'm pleased we could help make your experience a confident and informed one, especially...
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Excellent customer service! Great communication! We highly recommend.
Reply from Trey Howard, Ruoff Mortgage
December 29th, 2025 02:30 PM
I truly appreciate your kind review, April. I'm glad to hear that you found the communication and customer service to your satisfaction. Your recommendation means a lot to me. If there's anything else I can assist you with, please feel free...
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Excellent communication! Everyone was super helpful and made our experience great!
Trey Howard has received a review with 5 star rating from Angie H
Reply from Trey Howard, Ruoff Mortgage
December 22nd, 2025 06:09 PM
I appreciate your rating, Angie. If you ever need assistance or have questions, feel free to reach out.
Trey Howard has received a review with 5 star rating from Eugene D
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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.