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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
Excellent service.
Reply from Owner
April 16th, 2026 04:53 PM
Gracias por tus palabras Alejandro. Siempre a tu orden aca, saludos! BC
Excellent service, excellent knowledge, and great kindness from Bob. Thank you for your attention.
Reply from Bob Chamorro
April 16th, 2026 04:54 PM
Thank you for your kind words, Alejandro. I'm glad to know that you appreciated the service, knowledge, and kindness during our interactions. Remember, I'm always here to help! - BC
Bob demonstrates exceptional professionalism and deep industry knowledge.He took the time to thoroughly explain every step of the process, answering all of my questions with patience and clarity. He made sure I understood all my options and...
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Reply from Owner
April 16th, 2026 04:58 PM
Thank you, Moniq, for your thoughtful feedback. I'm pleased to hear that you valued my professionalism and the clarity of communication throughout the loan process. It was important to me that you felt well-informed and confident in your decisions....
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Bob demonstrates exceptional professionalism and deep industry knowledge.He took the time to thoroughly explain every step of the process, answering all of my questions with patience and clarity. He made sure I understood all my options and...
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Reply from Bob Chamorro
April 3rd, 2026 03:32 PM
It's wonderful to hear your feedback, Monika. I'm pleased that you found my approach helpful and that my communication met your expectations. Ensuring that you understood all your options and securing the right loan for your needs is always...
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My experience with lower and Mr. Bob Chamorro was so excellent. He always explain me a step by a step on process to buy a new home. Thank you so much guys.
Reply from Owner
April 3rd, 2026 03:33 PM
I'm glad to hear that your experience was excellent. Thank you, Elmer!
the experience with mr Bob chomorro was very very excellent. He always answer my call and always explaining step by step. Of the process to buy a new home. Thank you.
Reply from Bob Chamorro
April 2nd, 2026 04:29 PM
I'm grateful for your kind feedback, Elmer. It's reassuring to know that you found the experience excellent and that my approach to explaining each step was helpful. Should you have any more questions or need further assistance, please feel...
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Bob Chamorro - Lower Mortgage has received a review with 5 star rating from Erich A
Reply from Owner
April 16th, 2026 04:58 PM
Thank you Erich!
Very good service and communication!
Reply from Bob Chamorro
April 2nd, 2026 02:05 PM
I appreciate your positive feedback, Erich. It's great to know that you found the service and communication satisfactory. If there's anything else I can assist you with, please feel free to reach out. - BC
Bob was great
Reply from Bob Chamorro
March 23rd, 2026 08:56 PM
I appreciate your feedback, Jaleel. I'm glad to hear that you had a positive experience. If there's anything more I can help you with, please reach out anytime. - BC
The turn around time it took was so quickly and everyone was very helpful and encouraging especially when I wanted to give up, the team as an whole was great , Thanks again to everyone who helped me get into my new home 😊😇🙏🏾
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Reply from Bob Chamorro
March 23rd, 2026 06:10 PM
I'm thankful for your kind words, Monica. It's wonderful to know that the quick turnaround and the team's support made a difference when you needed it most. I'm delighted to have been part of your journey into your new home. If there's anything...
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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.