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Bob Chamorro - Lower Mortgage
Branch Manager | NMLS# 282888
Florida International University
Bob Chamorro is a Mortgage Loan Officer with Lower Mortgage based in Coral Gables, FL, serving South Florida, West Florida, and surrounding communities. With 23+ years of mortgage experience, Bob has closed over 2,800 loans and funded more ... Show More
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Business Hours
Wed
9 AM to 5 PM
Thu
9 AM to 5 PM
Fri
9 AM to 5 PM
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Reviews from Web
Bob Chamorro - Lower Mortgage has received a review with 5 star rating from Johnny C
I had a great experience with my loan officer. They were professional, helpful, and made the entire process easy to understand. They kept me informed every step of the way and were always available to answer my questions. I truly appreciate...
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Bob provided a great guidance on the loan process and he was always available to answer any question.
Great experience.
Reply from Bob Chamorro - Lower Mortgage
September 10th, 2026 08:47 PM
Thank you, Leosbel. I'm pleased to hear you had a great experience. Let me know if there's anything else I can assist with.
Bob Chamorro - Lower Mortgage has received a review with 5 star rating from Dayli H
Reply from Owner
September 11th, 2026 02:59 AM
Thank you, Dayli, for the excellent rating. I appreciate your support and am here if you need anything further.
el servicio ,la asesoría , el tiempo de respuesta la amabilidad excelente funcionario del lower
Reply from Bob Chamorro
September 2nd, 2026 06:16 PM
Gracias, Dayli, por tus amables palabras. Me complace saber que encontraste mi servicio, asesoría y amabilidad excelentes. Si necesitas algo más, no dudes en contactarme.
Bob Chamorro made the process for the loan easy. He was always on top of everything and would be readily available anytime I needed him. Very professional!
Reply from Bob Chamorro
August 27th, 2026 02:05 PM
Thank you, Michael, for your positive feedback. I'm glad to hear that I could make the loan process easy and be available whenever you needed assistance. Your kind words about my professionalism are much appreciated.
excelente muy eficiente y rapidez para todo el proceso gracia.
Reply from Bob Chamorro
August 4th, 2026 05:18 PM
Gracias, Victor, por tus amables palabras. Me alegra saber que encontraste el proceso eficiente y rápido. Si necesitas más ayuda en el futuro, estoy aquí para apoyarte.
I had an excellent experience from start to finish. The entire process was smooth professional and well organized. I truly appreciate the attention and willingness to help every step of the way. I would highly recommend him.
Reply from Bob Chamorro
July 27th, 2026 03:04 PM
I'm grateful for your wonderful feedback, Enante. It's great to hear that the process was smooth and professional for you, and that you felt well-supported throughout. Your recommendation means a lot to me!
Bob Chamorro - Lower Mortgage has received a review with 5 star rating from Florencia T
Reply from Owner
September 11th, 2026 03:00 AM
Thank you, Dayli, for the excellent rating. I appreciate your support and am here if you need anything further.
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About
Bob Chamorro is a Mortgage Loan Officer with Lower Mortgage based in Coral Gables, FL, serving South Florida, West Florida, and surrounding communities. With 23+ years of mortgage experience, Bob has closed over 2,800 loans and funded more than $1 billion in volume. He helps first-time, primary, and move-up homebuyers with FHA, Conventional, and other loan options. Known for consistent communication, professionalism, and a smooth process from application to closing, Bob provides expert guidance every step of the way. Bob is also a Spanish-speaking mortgage professional proud to serve the South Florida community.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Conventional Home Loan
Mortgage Refinance
Fixed Rate Mortgages
DSCR Loans
Cash-Out Refinances
Home Equity Conversion Mortgages(HECM)
Bank Statement Loans
Specialities
Goverment loans
Agency loans
Non-QM loans
Reverse Mortgages
Hard Money Loans
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Education
- Florida International UniversityBusinessInternational BusinessAug 1997 -Dec 2001
Positions
- Lower.com - Branch ManagerJul 1st, 2022 - Current
Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Year Started
2003
Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS# 282888
- Branch NMLS# 1477432
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.