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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
Location & Business Hours
Business Hours
Wed
9 AM to 5 PM
Thu
9 AM to 5 PM
Fri
9 AM to 5 PM
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The work quickly.
Bob Chamorro - Lower Mortgage has received a review with 5 star rating from Dave D
Bob you awesome my friend you should be the first contact for every person who is looking to purchase a home 🏡 weather first time or beyond because I think every person whom you would have helped would definitely buy from your lender, you...
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Outstanding service from beginning to end. Wey knowledgeable and pleasant to talk to. He always answered the phone and provided constructive feedback when issues were presented. Definitely will recommend to my family and friends.
Bob was very attentive and he always answered the phone and always gave us a call back when he miSsdd our call. He provided clear feedback when there were issues and he was always very patient and pleasant to talk to. I will be recommending...
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Bob is a very knowledgeable and pleasant person who will always guide you thru the whole process. He is also very patient and doesn’t mind explaining steps or rules. I worked with him and his team before, and will do it again.
Bob is a very knowledgeable and pleasant person who will always guide you thru the whole process. He is also very patient and doesn’t mind explaining steps or rules. I worked with him and his team before, and will work with him again.
Bob was always available to answer questions and was on top of all of the paperwork we needed.
Great communication, speedy job, excellent
Bob was very diligent and precise in the information he gave and in the process of the loan.
Thanks!!
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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.