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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 were extremely helpful, patient, and hardworking. I’m very thankful for their support and highly recommend his team.
Reply from Bob Chamorro
February 17th, 2026 04:54 PM
I'm grateful for your feedback, Nicole. It's rewarding to hear that you found my team and me helpful and patient throughout the process. Your recommendation is invaluable, and if there's ever anything more I can do to assist you, please feel...
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Everything was finished in a very structured way and to our satisfaction . All our questions were answered promptly and explanations were very clear . A lot of redundancy, I think, but not Bob’s fault just a simple case of regulations .
Reply from Owner
April 16th, 2026 04:59 PM
I'm pleased to hear that everything was completed to your satisfaction, Gary. It's important to me that all your questions were answered promptly and clearly. I understand the redundancy can be challenging, but I'm glad it didn't affect your...
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Vary structured that's for sure !
Reply from Bob Chamorro
February 17th, 2026 05:18 PM
Thank you for sharing your thoughts, Gary. I'm glad that you found the structure to be beneficial. If there's anything else I can help with, feel free to reach out. - BC
Very responsive in the complete process
Reply from Bob Chamorro
February 16th, 2026 06:56 PM
I appreciate the feedback, Beatriz. I'm pleased to hear that you found me responsive during the process. If there's anything else I can assist with in the future, please don't hesitate to reach out. - BC
Walked us through the home buying experience and was available for all our meny questions he made sure we felt good before moving forward with anything we highly recommend him and his services
Reply from Bob Chamorro
February 13th, 2026 04:44 PM
It's great to hear that you had a positive experience throughout the home buying process, Frank. I'm glad I could help make you feel comfortable and answer your many questions along the way. Your recommendation means a lot to me. If you ever...
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Received all the support I needed from the beginning to the end. Thank you
Reply from Bob Chamorro
February 5th, 2026 04:54 PM
Cecilia, I'm glad to hear that you felt supported throughout the process. Thank you for your feedback!!
Mr. Chamorro and his staff answered all of our questions in a timely manner. They are very professional and knowledgeable.
Reply from Owner
February 5th, 2026 04:55 PM
I'm grateful for your kind feedback, Yuridia. It's wonderful to hear that you found my assistance and my team's professionalism helpful.
Mr. Chamorro and his staff answered all of our questions in a timely manner and were very professional.
Reply from Bob Chamorro
April 16th, 2026 05:01 PM
Thank you for your kind words, Yuridia. I'm pleased to hear that you found our team professional and responsive to your questions. If there's anything else you need, please don't hesitate to reach out. - BC
Bob's communication and guidance was excellent. Unfortunatley Bob's team did not meet our level of expectations. Miscommunications on numerous items.
Reply from Bob Chamorro
April 21st, 2026 04:25 PM
Thank you for sharing your experience, Brian. I'm pleased to hear that you found my communication and guidance excellent, but I'm sorry to learn that there were miscommunications with my team. Please reach out to me directly so we can address...
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Bob Chamorro - Lower Mortgage has received a review with 5 star rating from Estiven G A
Reply from Owner
April 21st, 2026 04:25 PM
Muchas gracias Estiven! BC
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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.