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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
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Reviews from Web
Getting a better rate without having to shop around, it was clear that it could have been done. The loan approval was moved unnecessarily causing stress.
Bob and team has been nothing short of amazing. Was always willing to answer my multitu of questions during this firat first time home process that could be so scary. I truly appreciated his patience and understanding
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Reply from Owner
November 17th, 2025 02:59 PM
Really appreciate this, Kevin!
Bob and team has been nothing short of amazing. Was always willing to answer my multitu of questions during this firat first time home process that could be so scary. I truly appreciated his patience and understanding
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Reply from Bob Chamorro
November 17th, 2025 02:58 PM
Thank you, Kevin! Happy we could make your first-time buying experience feel supported and less intimidating.
Very professional staff and helpful with every step of our mortgage.
Reply from Owner
November 17th, 2025 02:58 PM
Thank you Karen!
Bob and his team were very responsive to our concerns. Everything was carefully explained and he was able to make this a stress-free experience.
Reply from Bob Chamorro
November 17th, 2025 02:57 PM
Appreciate it, Karen! Happy we delivered a smooth, responsive experience!
Bob Chamorro - Lower Mortgage has received a review with 5 star rating from Adolfo P
Reply from Owner
October 27th, 2025 06:19 PM
I appreciate your positive rating, Adolfo!
Bob and his team are professional yet friendly and will bend over backwards for you can't say enough I'm definitely repeating my business with them.
And recommend them to anyone that asks about financing
Reply from Bob Chamorro
October 27th, 2025 06:21 PM
Thank you, Adolfo! It’s rewarding to know that my team and I made a positive impression!!
Too stressful . I've had 3 mortgages over 30+ years and never asked the ridiculous questions about my motivation for buying a new property. Additionally, Going back 15 years to question a loan modification was totally unnecessary.
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Reply from Bob Chamorro
October 29th, 2025 06:29 PM
Carolyn, thank you for sharing your feedback. I’m sorry if the process felt more complex than expected. I understand how revisiting past financial details can be frustrating. I’d be glad to discuss how we can better support your needs, please...
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Claridad en la información y el acompañamiento durante todo el proceso muy profesionales.
Reply from Bob Chamorro
October 27th, 2025 11:39 PM
Gracias por compartir tu experiencia, Carlos!!
Bob y su equipo demostro un amplio conocimiento en el proceso de credito con un lenguaje claro mostraron buena disposición y organización con comunicacion constante por correo y llamadas los terminos fueron presentados con total transparencia...
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Reply from Bob Chamorro
September 30th, 2025 05:23 PM
Gracias por sus palabras, Raquel. Me alegra que haya encontrado útil nuestro enfoque transparente y nuestra comunicación constante durante su proceso de crédito. Es un placer para mí y mi equipo brindar esta experiencia. Si tiene alguna otra...
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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.