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
The experience was so efficient we were able to close early! Great service
Reply from Trey Howard
October 13th, 2026 06:19 PM
Thank you so much, Sequoyah! It was a pleasure helping you and your family finance your beautiful new home!
Trey Howard has received a review with 5 star rating from Mof J
Reply from Trey Howard
October 13th, 2026 06:19 PM
Thank you so much, Mark. We appreciate you greatly as our client for life. Even more, we appreciate your service to our country and it's been an honor to assist you with your mortgage needs. Enjoy your new home!
Trey Howard, Ruoff Mortgage has received a review with 5 star rating from Mof J
Reply from Owner
February 15th, 2024 03:09 PM
Thank you so much, Mark. We appreciate you greatly as our client for life. Even more, we appreciate your service to our country and it's been an honor to assist you with your mortgage needs. Enjoy your new home!
Thrilled to share Eileen and Trey are my absolute go-to! Their responsiveness, tailored solutions, and proactive approach make every transaction a breeze. I highly recommend them!
Reply from Owner
February 6th, 2024 05:12 AM
Thank you so much, Paige! Working alongside you is always a pleasure and we greatly appreciate you!
Thrilled to share Eileen and Trey are my absolute go-to! Their responsiveness, tailored solutions, and proactive approach make every transaction a breeze. I highly recommend them!
Reply from Trey Howard
October 13th, 2026 06:19 PM
Thank you so much, Paige! Working alongside you is always a pleasure and we greatly appreciate you!
I recently had the pleasure of doing business with Trey and the Howard Team. As a realtor I am always looking for those lenders that separate themselves from the rest. Trey was certainly one of these lenders. He eagerly volunteered to assist...
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Reply from Owner
January 11th, 2024 05:45 AM
Thank you so much, David! Your partnership is tremendously cherished. Helping homebuyers alongside you is delightful and we appreciate your kind words so much. We always look forward to working with you!
I recently had the pleasure of doing business with Trey and the Howard Team. As a realtor I am always looking for those lenders that separate themselves from the rest. Trey was certainly one of these lenders. He eagerly volunteered to assist...
read more
Reply from Trey Howard
October 13th, 2026 06:19 PM
Thank you so much, David! Your partnership is tremendously cherished. Helping homebuyers alongside you is delightful and we appreciate your kind words so much. We always look forward to working with you!
Everyone we dealt with was very helpful and kind. Communication was fantastic and all questions were answered and answered quickly.
Reply from Trey Howard
October 13th, 2026 06:19 PM
Thank you so much, Reed. You were such a pleasure to work with and we look forward to sticking by your side throughout all your homeownership needs and journeys!
Everything went perfect, I couldn’t ask for anything better!
Reply from Trey Howard
October 13th, 2026 06:19 PM
Thank you so much, Kyle! You and your family were an absolute pleasure to work with. Best of luck and congratulations on your new home!
The entire process was smooth from start to finish. I especially appreciated the portal which allowed for the ease of submitting documents as well as seeing where we were at in the application process. It also cut down on back and forth emails....
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Reply from Owner
December 15th, 2023 05:28 PM
Thank you so much! Working with you and your family was such a pleasure. Best wishes to you!
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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.