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 Howard has received a review with 5 star rating from Rachel C
Eileen and Dawn from Ruoff Mortgage were AMAZING!! They both kept me up to date throughout the whole process!! Even held my hand at times when I had no clue what I was doing!!! I would HIGHLY Recommend Eileen and Dawn from Ruoff Mortgage to...
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Trey Howard has received a review with 1 star rating from Randy D
Reply from Owner
July 7th, 2025 05:59 PM
Randy, we appreciate the candid feedback about your recent experience with us and are truly sorry that we did not meet your expectations. However, we were surprised to see this considering your previous 4.37 star review in our in house survey...
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Wonderful experience! Trey is the man!
Trey Howard has received a review with 5 star rating from Cory H
Being a first time home buyer was scary at first not knowing the process but Dawn and Eileen walked us through everything and made us comfortable. The nicest people on the plane!
Trey and The Howard Team made the process very painless! I will definitely refer and use them again when the time arises!
Trey and The Howard Team made the entire process as painless as it could be. I had a great experience and will definitely refer and use them again when the time arises!
Reply from Trey Howard
October 13th, 2026 06:19 PM
Tyler, thank you so much for your kind words! I'm thrilled to hear that you had a great experience and found the process to be as painless as possible. It was a pleasure working with you, and I appreciate your trust in us. Looking forward to...
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Dawn Nijak and Eileen Howard were such a pleasure to work with in every capacity. Polite, profesional and timely. I've absolutely loved this experience and will recommend them to everyone!!!
Best lenders to have on your side! Purchasing a home can be very overwhelming but having great professional lenders and leaders to guide you makes everything smoother. Highly recommend:)
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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.