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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(Open now)
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Reviews from Web
Bob and his team was very supportive allowing for any questions answered and made the process of purchasing my home a smooth one
Reply from Bob Chamorro
June 8th, 2026 06:56 PM
I'm pleased to hear that you found the process of purchasing your home smooth, Eloise. It's great to know that my team and I could support you and answer your questions along the way. If you have any more questions or need further assistance,...
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Bob Chamorro - Lower Mortgage has received a review with 5 star rating from Mariana M
Reply from Owner
September 11th, 2026 03:01 AM
Thank you, Mariana, for your rating. I'm grateful for your support and here to help if you need anything further.
I cannot say enough great things about working with Bob! From start to finish, his communication was outstanding — he was always prompt to answer my questions and made sure I understood every step of the process.My situation was not the most...
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Reply from Bob Chamorro
June 8th, 2026 04:48 PM
Thank you so much for your kind words, Mariana. I'm grateful I could support you through the unexpected challenges with your home sale and purchase. Knowing that my communication and patience helped make your experience more manageable means...
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The job done by Bob and his team was amazing. Excelent skills and communication.
Reply from Bob Chamorro
June 2nd, 2026 06:45 PM
I'm happy to hear you valued the skills and communication from my team and me, Hansel. Thank you for sharing your positive experience. If there's anything more you need, please feel free to reach out. - BC
The communication was amazing! The knowledge, every clear explanation, transparency . Working with Bob and his team was the best, and makes everything looks easier.
Reply from Bob Chamorro
June 1st, 2026 02:04 PM
I'm glad to hear that you appreciated the communication and clarity, Ailenys. It’s appreciated to know that working with my team and me made the process easier for you. If you ever need further assistance, please feel welcome to reach out....
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No conocimos el branch, todo lo hicimos online
(Translated by Google)
We didn't know about the branch; we did everything online.
Reply from Owner
September 11th, 2026 03:05 AM
Gracias, María, por compartir tu experiencia. Me alegra saber que pudiste realizar todo el proceso en línea de manera conveniente. Si tienes alguna otra pregunta o necesitas más ayuda, no dudes en decírmelo.
Bob provided absolutely excellent service! Throughout our entire mortgage process, he was incredibly attentive and 100% available to answer all of our questions, patiently explaining everything as many times as we needed. He went above and...
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Reply from Bob Chamorro
May 26th, 2026 05:09 PM
Thank you for your kind words, John. I'm pleased to hear that you felt supported throughout the mortgage process and that I could help meet your deadlines. If you ever have more questions or need assistance in the future, don't hesitate to...
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Great communication
Reply from Bob Chamorro - Lower Mortgage
September 11th, 2026 03:05 AM
I'm glad to hear that you found the communication great, Marlene. If there's anything more I can do for you, please let me know.
Bob Chamorro - Lower Mortgage has received a review with 5 star rating from Dilian D
Reply from Owner
September 11th, 2026 03:05 AM
Thank you, Dilian, for the 5-star rating. I'm grateful for your support and am here if you need any assistance in the future.
Muy transparente con todo, rápidos
Reply from Bob Chamorro - Lower Mortgage
September 11th, 2026 03:06 AM
Gracias, Dilian. Me alegra saber que encontraste el proceso transparente y rápido. Si necesitas más ayuda, no dudes en decírmelo.
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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.