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 Kelly D
Eileen Howard is such a pleasure to work with. This is our second experience with her and she goes above and beyond. She explained everything clearly and answered all of our questions. Thank you Eileen!
Eileen was amazing to work with! She was quick to respond and always knew the answers to our questions. Our entire moving process was messy and difficult and we would not have been able to navigate it without her!
Trey Howard has received a review with 5 star rating from Maddie S
Trey Howard has received a review with 5 star rating from Gypsy D
Reply from Owner
September 14th, 2024 11:42 AM
I'm absolutely thrilled to hear you had a positive experience with us at Ruoff Mortgage, Gypsy! Your impressive rating truly reflects the dedicated service we strive to provide every day. I'm grateful for your feedback and we hope to assist...
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Trey Howard has received a review with 5 star rating from Breese W
Reply from Owner
September 14th, 2024 11:42 AM
Thank you, Breese, for the full five-star rating! I'm thrilled to hear that you had a great experience with us at Ruoff Mortgage. Your feedback is greatly appreciated and it helps us continue to provide the best service possible. If you have...
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Trey and his team were able to move the process along very quickly and easily l.
Reply from Trey Howard
October 13th, 2026 06:19 PM
I'm really glad to hear that you found our services at Ruoff Mortgage efficient and easy, Christopher. We always strive to provide fast and hassle-free experiences. Thanks a lot for the 5-star review and for choosing us. It was a pleasure working...
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The service provided by Ruoff Mortgage during our home purchase was definitely top tier! We were recommended to Eileen and team by our realtor, Brandi Wade, and we never looked back. The process was seamless and never felt transactional. We...
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Reply from Owner
September 14th, 2024 11:43 AM
Hi Stacey, Thank you for taking the time to leave such a glowing review. I'm thrilled to hear that you felt well taken care of during your home purchase process and that you appreciated our team-oriented approach. It's always our goal to make...
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Trey Howard has received a review with 5 star rating from Michael M
Reply from Owner
August 27th, 2024 10:19 PM
Thank you for your feedback, Michael. I'm thrilled to know that you were satisfied with our services. It's been a pleasure working with you. At Ruoff Mortgage, we always strive to provide the best service to our customers. Looking forward to...
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I loved working with Eileen and Everyone at Ruoff! Everyone we had contact with was kind and knowledgeable about the process. We highly recommend them!
Reply from Owner
August 27th, 2024 10:21 PM
Thank you so much for the glowing review, Molly! It's absolutely wonderful to hear that you had a positive experience with us and the entire team at Ruoff Mortgage. I'm thrilled to know that you found us kind and knowledgeable throughout the...
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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.