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About me

Hi there! I’m excited to help you with your home loan needs. My name is Andrea Trout and I’ve been in the mortgage industry since 2003. Over the years, I’ve specialized in first-time buyer programs, VA, FHA, USDA, and conventional loans.

Growing up in a military family and being married to a police officer, I have a deep appreciation for the service and dedication of our armed forces and first responders. This personal connection drives my commitment to helping those who serve our community and country.

I live in Ellicott City, MD, with my husband, our two boys, and our dog. When I’m not working, I love watching my boys play sports, especially basketball and golf. I also enjoy walking my dog, reading, and painting.

While much of my business is in Howard County, Anne Arundel County, and Carroll County, I’m licensed to serve clients in MD, DC, VA, PA, and FL. Whether you’re a first-time homebuyer or looking to refinance, I’m here to guide you through the process with expertise and care.

Let’s work together to make your homeownership dreams a reality! Feel free to reach out to me anytime.

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Let’s find the right home loan for you

We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.

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Testimonials

Testimonials
4.94 out of 5.0 stars
4.92
5.0
Eileen
Apr 14, 2025
Laurel, MD
Verified

Another wonderful experience!
Catherine
Apr 14, 2025
Laurel, MD
Verified

I don't want to leave a message.
Clara W
Apr 15, 2025
Verified

Andrea Trout is simply the best. We’ve worked with her twice—once with another company—and tracked her down again because she’s that good. Her professionalism and dedication are unmatched. She made the homebuying process smooth both times. We’re beyond grateful and wouldn’t trust anyone else.
Clara
Apr 14, 2025
Forest Hill, MD
Verified

This is the second time we’ve had the pleasure of working with Andrea Trout, and we truly can’t imagine going through the homebuying process with anyone else. The first time we worked with her, she was with a different company—but the experience was so smooth, professional, and genuinely positive that we made it a mission to track her down again when it came time to buy our next home. That’s how exceptional she is. There are no words that can fully express our gratitude for everything Andrea has done for us—not just the first time, but now again. She brings a rare combination of deep expertise, clear communication, genuine care, and a level of commitment that goes far beyond what you’d expect. She made a complex process feel manageable and stress-free both times, and we always felt like we were in the most capable hands. Andrea isn’t just a loan officer—she’s a true partner and advocate. If you’re lucky enough to work with her, know you’re getting someone who will go above and beyond to make your dream a reality. We are forever grateful.
Terri
Apr 07, 2025
Towson, MD
Verified

I have been working with Andrea for several years. She is always extremely attentive and thorough in guiding my clients. She keeps the transaction running smoothly. I will continue to highly recommend Andrea to all of my future, clients, friends, and family!
George
Mar 31, 2025
Hagerstown, MD
Verified

After enduring a difficult and emotionally exhausting divorce, I found myself in a challenging financial position and facing what felt like an impossible uphill battle. My credit had taken a hit, my confidence was shaken, and I was overwhelmed by the thought of trying to refinance my home—especially a cash-out refinance. I felt stuck, unsure of my options, and, quite honestly, hopeless. That's when I came across Andrea Trout on social media. I had been following her for a while and was consistently impressed by the depth of her knowledge, her professionalism, and the way she broke down complex loan information into digestible, relatable advice. She clearly knew her stuff. On a leap of faith, I reached out to her, and that single decision changed everything for me. From our very first conversation, Andrea brought a sense of calm and confidence that I desperately needed. She didn’t judge my circumstances—she simply got to work. With empathy, expertise, and an unwavering commitment to helping me succeed, Andrea navigated every hurdle in the refinancing process with precision. Despite my credit challenges, she found a path forward and guided me through every step, ensuring I felt informed and supported throughout. Thanks to Andrea, I was able to complete a cash-out refinance and begin rebuilding my financial life. She turned what felt like an insurmountable situation into a success story. Her ability to listen, strategize, and deliver results is unmatched. She’s not just a loan officer—she’s a game-changer, a financial advocate, and in my opinion, the greatest of all time in her field. If you’re looking for someone who is not only incredibly competent but also genuinely cares about your outcome, look no further than Andrea Trout. She is, without question, the best in the business.

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Awards

Causes & Memberships

member of Guild Giving
NMLS ID #183903
I am authorized to do business in the states of District of Columbia, Florida, Maryland, Pennsylvania and Virginia. (www.nmlsconsumeraccess.org/);