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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
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9 AM to 5 PM
Thu
9 AM to 5 PM
Fri
9 AM to 5 PM
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Reviews from Web
Great experience.the process was smooth and straightforward,communication was very very clear.Professional,rResponsive and took time answer all of my inquiries.I definitely would recommend Bob Chamorro to anyone looking for reliable and trushworthy...
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Gracias por todo, el apoyo y asesoria de Bob ha sido fundamental para lograr nuestro proyecto de inversion en FL.
Reply from Bob Chamorro
November 4th, 2026 04:02 PM
Aprecio mucho tus palabras, Hernan. Me alegra saber que mi apoyo y asesoría han sido fundamentales para tu proyecto de inversión en FL. En Lower, siempre buscamos ofrecer el mejor servicio posible.
Bob was very helpful and always answered all our questions.
Reply from Bob Chamorro
October 28th, 2026 05:10 PM
I'm happy to hear that I could be helpful and address all your questions, Marcela. At Lower, ensuring clarity and support is a priority, and I'm glad that it reflected in your experience.
comunication all the time
Reply from Bob Chamorro - Lower Mortgage
October 28th, 2026 05:09 PM
I'm happy to know that communication was consistent throughout your experience, Francisco. Ensuring clear and open lines of communication is a priority for me and the team at Lower. Take care.
High level of responsiveness.
Reply from Bob Chamorro - Lower Mortgage
October 21st, 2026 04:44 PM
I'm glad to know that you appreciated the high level of responsiveness, Oscar. Ensuring effective communication is important to me and the team at Lower.
Bob was great thru this process
Reply from Bob Chamorro
October 21st, 2026 04:45 PM
I'm happy to hear that you had a great experience during the process, Xavier. At Lower, I strive to provide the support and guidance needed for a smooth journey.
Working with Bob and his Team has been an absolute pleasure. From start to finish, Bob and his Team has been incredibly supportive, responsive, and easy to work with. Whenever we had questions, needed clarification, or had to make adjustments...
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Reply from Bob Chamorro
October 8th, 2026 02:41 PM
I'm pleased to hear that you found working with me and my team such a positive experience, Paulino. It's great to know our support and responsiveness made your buying journey smoother. At Lower, we truly value the opportunity to guide and assist...
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It was truly an exceptional experience from beginning to end. The professionalism, kindness, attention to detail, and genuine care exceeded all my expectations. Everything was handled perfectly, and I could not have asked for a better outcome—it...
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Reply from Bob Chamorro
October 5th, 2026 06:31 PM
I'm grateful for your kind words, Ania. It's wonderful to know that my professionalism and attention to detail made your experience at Lower so positive. If you ever have more questions or need further assistance, I'm here to help.
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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Reply from Bob Chamorro
September 21st, 2026 03:53 PM
I'm glad to hear you had a great experience, Johnny. It's important to me that the loan process is clear and straightforward for clients at Lower. If you ever have more questions or need further assistance, feel free to let me know.
Bob provided a great guidance on the loan process and he was always available to answer any question.
Reply from Bob Chamorro
September 21st, 2026 03:30 PM
I'm happy to know that you found my guidance on the loan process helpful, Jair. At Lower, we strive to ensure our clients are well-informed and supported throughout their journey. Please feel free to reach out if you have any more questions....
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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.