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
Eileen was professional, honest and always took time to answer any questions we had. Great overall experience and highly recommend.
Reply from Owner
August 16th, 2024 02:51 PM
Thank you so much for the kind words, Derrick! We are so glad you had a great experience and will always be here to help and answer any questions you may have. Thank you for the recommendation and enjoy your new home!
In the 18 years in real estate I’ve worked with my share of mortgage professionals and Trey is one of the good guys. He works hard to keep buyers updated and everyone abreast of the status.
Reply from Owner
August 12th, 2024 03:55 PM
Toby, thank you so much for the kind words. We do our best to ensure everyone is educated and informed in the mortgage process and hearing back that we're doing that well speaks volumes for us. We appreciate you so much and always love working...
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If you are looking for a mortgage lender, Trey should be your first stop! He is a great guy that will listen to your needs and truly help with what is best for you, not what is best for him. Please do yourself a favor and work with Trey Howard!...
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Reply from Owner
July 30th, 2024 04:11 PM
Thank you so much for the kind words, Steven! We appreciate you so much!
Trey is one of the most genuine, upfront, and honest people you will meet. In a world you have to be worried what people’s motives are he will put you at ease. He has others best interest always and that’s not a quality you find in many these...
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Reply from Owner
July 30th, 2024 04:10 PM
Thank you so much for the kind words, Zach! We do everything we possibly can to ensure our client's needs are met and most importantly, keep their best interests in mind. We appreciate you a ton!
Making it an easy experience with no problems. Made this experience alot better than I anticipated
Reply from Owner
May 3rd, 2024 10:52 AM
Thank you so much, Heath! It was a pleasure to assist you with your homeownership goals and we hope you love your new home!
Making it an easy experience with no problems. Made this experience alot better than I anticipated
Reply from Trey Howard
October 13th, 2026 06:19 PM
Thank you so much, Heath! It was a pleasure to assist you with your homeownership goals and we hope you love your new home!
As a Realtor, we need a solid team to help get our clients across the table. Trey Howard and his team did an amazing job getting us across the finish line. Thank you so much for all of the support and communication from start to finish. You...
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Reply from Owner
April 10th, 2024 11:57 AM
Thanks so much, Tyler. We appreciate you endlessly and working with you is always a pleasure!
As a Realtor, we need a solid team to help get our clients across the table. Trey Howard and his team did an amazing job getting us across the finish line. Thank you so much for all of the support and communication from start to finish. You...
read more
Reply from Trey Howard
October 13th, 2026 06:19 PM
Thanks so much, Tyler. We appreciate you endlessly and working with you is always a pleasure!
Great people and even better service! Buying a house can be stressful but we felt we had support 24/7
Reply from Owner
April 10th, 2024 11:57 AM
Thank you so much, Sequoyah! Helping you and your family accomplish your homeownership goals was an absolute pleasure. We are always here to help!
Great people and even better service! Buying a house can be stressful but we felt we had support 24/7
Reply from Trey Howard
October 13th, 2026 06:19 PM
Thank you so much, Sequoyah! Helping you and your family accomplish your homeownership goals was an absolute pleasure. We are always here to help!
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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.