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
Trey and his team were AMAZING to work with. Purchasing a home is such a stressful experience but Trey went above and beyond to answer questions and help us buy our dream home. He was always available and responded promptly. Don’t hesitate...
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Trey was always available - we even called on Sunday and into evening hours. His promptness, positive attitude and willingness to help exceeded oir our expectations and made this entire experience great.
Reply from Trey Howard
October 13th, 2026 06:19 PM
Thank you for your kind words, Shelley. It was important to me to be available and provide the support you needed. I'm glad that my responsiveness and attitude contributed to a positive experience for you. If there's anything more I can assist...
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Trey Howard has received a review with 5 star rating from Bayley N
We had a fantastic experience working with Trey. From start to finish, he was professional, knowledgeable, and incredibly supportive throughout the loan process. Trey took the time to explain every detail clearly, answered all of my questions...
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Reply from Trey Howard
October 13th, 2026 06:19 PM
I'm grateful for your kind words and positive feedback, Bayley. It was a pleasure to work with you throughout the loan process. Ensuring that you had a clear understanding of all details and options is something I consider very important. If...
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Trey Howard has received a review with 5 star rating from Samual N
Attention to detail to get the best possible outcome in regards to closing costs , mortgage amount, etc.
Reply from Trey Howard
October 13th, 2026 06:19 PM
I'm pleased to hear that my attention to detail made a positive impact on your experience, Samual. It's important to me to help achieve the best possible outcome in areas like closing costs and mortgage amounts. If you have any further questions...
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Trey Howard has received a review with 5 star rating from Jason L
They were great
Reply from Trey Howard
October 13th, 2026 06:19 PM
I’m glad to know that you had a positive experience, Jason. If there's anything more I can assist you with, please feel free to reach out.
Very responsive
Walked me thru every step up the way
Reassured me and kept a stressful situation smooth and peaceful
Thank you so much elieen for making our dreams come true we are forever greatful
Very responsive
Walked me thru every step up the way
Reassured me and kept a stressful situation smooth and peaceful
Thank you so much elieen for making our dreams come true we are forever greatful
21–30 of 126
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.