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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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9 AM to 5 PM(Open now)
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Bob Chamorro - Lower Mortgage has received a review with 5 star rating from MONO S
Reply from Owner
June 7th, 2024 01:24 AM
Thanks Luis!
Working with Bob Chamorro, was a great experience. He guided me through every step of the mortgage process with professionalism and care. Bob's thorough knowledge and clear communication made everything simple and stress-free. His friendly...
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Reply from Bob Chamorro
June 7th, 2024 01:30 AM
Hi Luis,
I'm delighted to hear that you had a great experience working with me. Your kind feedback is greatly appreciated. Should you ever need mortgage assistance in the future, I'd be more than happy to help. Take care! BC
Bob is the best !!
Reply from Bob Chamorro
June 1st, 2024 05:17 AM
Thanks very much Nicolas! It was great working with you. I'm always here to help with any of your future mortgage needs!
Calls were answered on first attempted call. Every question is answered in a way that easily understandable to the real estate-loan layman. Entire loan process is made very simple and straight forward without hold up. Couldn't ask for an easier...
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Reply from Owner
May 22nd, 2024 09:01 PM
Hi Erick, I'm thrilled to hear about your positive experience with us and my colleague Bremilee Berrios. Your feedback is greatly appreciated and will continue to motivate us to ensure our clients have the best possible experience. Thanks again...
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Calls were answered on first attempted call. Every question is answered in a way that easily understandable to the real estate-loan layman. Entire loan process is made very simple and straight forward without hold up. Couldn't ask for an easier...
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Excellent service!
Very attentive, great communication, always available to answer any question.
Reply from Bob Chamorro
May 22nd, 2024 09:08 PM
Thank you for your kind review, Andres! It was a pleasure assisting you. I'm happy to know that you were satisfied with our service. If you have any future needs or questions, feel free to reach out. Thank you once again for your trust and...
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Excellent service! Bob and his team went above and beyond with our loan process. Very professional overall in handling difficult situations. I highly recommend Bob!
Very honest and humble person.
Excellent service! Bob and his team went above and beyond with our loan process. Very professional overall in handling difficult situations. I highly recommend Bob!
Very honest and humble person.
Reply from Owner
June 7th, 2024 01:44 AM
I'm truly grateful for your kind words, Damaries. It was a pleasure to assist you throughout the process. Your recommendation means a lot to me and my team. Thank you for taking the time to share your experience. We're here for any future needs...
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Excellent service! Bob and his team went above and beyond with our loan process. Very professional overall in handling difficult situations. I highly recommend Bob!Very honest and humble person.
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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.