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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
always Willing to help and explain any doubts, no late replys, would 100 % recommend do businesa with his team
Reply from Bob Chamorro
April 21st, 2026 04:26 PM
Thank you for the recommendation, Jose. I'm pleased to know that you found my assistance helpful and timely. If you have any more questions or need further support, please don't hesitate to reach out. - BC
the patience and effort
Reply from Bob Chamorro
February 5th, 2026 04:57 PM
Your feedback is appreciated, thank you Venice!
Excelente servicio muy atentos y pendientes a los requisitos necesarios ! 10/10
(Translated by Google)
Excellent service, very attentive and responsive to the necessary requirements! 10/10
Reply from Owner
April 21st, 2026 04:27 PM
Gracias por tus palabras, Sylvia. Me alegra saber que encontraste el servicio excelente y que fui atento a tus necesidades. Siempre a la order aca! - BC
I deeply appreciate your professionalism and dedication. You made the process so easy! Now I'm enjoying the my home .
Reply from Bob Chamorro
February 5th, 2026 04:56 PM
I truly value your feedback, Silvia. Knowing that you found the process easy and are now enjoying your home is incredibly rewarding to hear!
Bob Chamorro - Lower Mortgage has received a review with 4 star rating from Pierre L E
Reply from Owner
September 11th, 2026 03:06 AM
Thank you for your rating, Pierre. If there's anything more you'd like to share about your experience with me at Lower, please feel free to reach out.
The advice
The Professionalism
Reply from Bob Chamorro
April 21st, 2026 04:27 PM
Thank you for highlighting my professionalism and advice, Pierre. I'm pleased to know that these aspects stood out during your experience. If there's anything further I can assist you with, please don't hesitate to let me know. - BC
He is the best
Reply from Bob Chamorro
February 5th, 2026 04:56 PM
Thank you for your positive feedback, Sami!
The staff was very attentive, professional, fast, and effective. They were also very helpful.
Reply from Owner
November 17th, 2025 02:55 PM
Thank you for your positive feedback, Wilmer! I’m pleased to know we were attentive and effective in assisting you. If there's anything more I can do for you, feel free to reach out.
How effortless, swift, and assured the process was made.
Reply from Bob Chamorro
November 17th, 2025 03:01 PM
We are happy the experience felt easy and confident from start to finish. Thank you Wilmer!
Experience, knowledgeable great communication and friendly.
Reply from Bob Chamorro
November 17th, 2025 03:00 PM
Thanks so much, Rodchild! Great to hear our communication and guidance hit the mark.
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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.