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 Pete G
Trey was great to deal with. Knowledgeable and fast to respond to any questions or concerns I had.
Reply from Trey Howard
October 13th, 2026 06:19 PM
I'm thrilled to hear you had such a positive experience, David! It's always my goal to provide quick, knowledgeable answers to all your questions and concerns. Your feedback means a lot to me and the whole team at Ruoff Mortgage. We look forward...
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Trey was very nice and helpful
Reply from Trey Howard
October 13th, 2026 06:19 PM
I'm glad to hear that you found my service helpful, Haley. It's always my goal to provide the best possible experience for my clients at Ruoff Mortgage. Your kind words and perfect rating mean a lot to me. Thank you for taking the time to share...
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Trey Howard has received a review with 5 star rating from Natalie G
Trey Howard has received a review with 5 star rating from Katrina R
Easy to work with responded to all questions and made sure I knew what was going on
Interest rate
Trey Howard has received a review with 5 star rating from Greg C
This is our experience. What we did to make it possible to be a home owner
There was nothing I would have changed. Trey was a blessing for me. I am going through a rough period right now and he couldn't have been any kinder. He made me feel like a person and not just a client.
Reply from Trey Howard
October 13th, 2026 06:19 PM
I'm absolutely touched by your kind words, Deborah. It was my pleasure to be there for you during your trying times. At Ruoff Mortgage, we strive to make every person feel more like a friend than a mere client. I'm thrilled to know that I could...
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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.