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 Dawn were amazing to work with and overall made the process seamless. Very happy with the process !
Reply from Trey Howard
October 13th, 2026 06:19 PM
It's wonderful to hear that the process was seamless and that you were very happy with it, Julio. I appreciate your kind words and am glad that working with me met your expectations. If you have any questions or need more assistance, feel free...
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Trey and the team were incredibly knowledgeable and responsive, making our first home buying experience go smoothly.
Trey was incredibly responsive and knowledgeable! He made our first home buying experience go smoothly.
Reply from Trey Howard
October 13th, 2026 06:19 PM
I'm glad to hear that your first home buying experience went smoothly, Alejandra. Your kind words about my responsiveness and knowledge mean a lot. If you ever have more questions or need further assistance, feel free to reach out.
Trey Howard has received a review with 5 star rating from Rebecca B
Trey was always available and eager to help with anything we needed and any questions. He made the entire experience easy and enjoyable. Thank you, we appreciate you!!!
Reply from Trey Howard
October 13th, 2026 06:19 PM
I'm grateful for your thoughtful review, Holly. It's great to know that you found the experience both easy and enjoyable. I'm always here to help with any questions you might have, and I appreciate your kind words. If there's anything else...
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Trey and the team provided a great customer service throughout the entire process. Highly recommended!
We appreciate Trey and the team for an easy process!
Reply from Trey Howard
October 13th, 2026 06:19 PM
Thank you for your review, Michael. I'm pleased to hear that the process was easy for you. It means a lot that you appreciated our efforts. Should you need any assistance in the future, I'm here to help.
Trey Howard has received a review with 5 star rating from Alyssa C
Everything was straight forward and as simple as it could be (which was great for our first time home buying experience). Trey was very responsive when we needed him which allowed us to get our offer submitted in a timely manner.
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Great communication!
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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.