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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 was very helpful and was able to answer every question or doubt that we had. We definitely recommend him!!!
Reply from Bob Chamorro
September 30th, 2025 05:23 PM
I'm pleased to hear that you found the support I provided helpful, Manuel. Thank you for your recommendation and for sharing your experience!!
Bob Chamorro - Lower Mortgage has received a review with 5 star rating from Cynthia D
Reply from Owner
September 30th, 2025 05:23 PM
Cynthia, thank you for the 5-star rating. I appreciate your support and trust! - BC
Absolutely will refer Bob and his team to anyone in tbe process of looking for a house. His professionalism is top tier as well as communication skills makes you feel extremely comfortable through the process. He explains everhtbing thoroughly...
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Reply from Bob Chamorro
September 30th, 2025 05:24 PM
I really appreciate your wonderful feedback, Cynthia. It's gratifying to know that you found the process professional and smooth. I'm glad I could make you feel comfortable and well-informed every step of the way!! - BC
I was impressed with the professional services rendered by LOWER. Bob was very informative and has a very professional and friendly team. I will recommend him to anyone, any day.
Reply from Owner
September 30th, 2025 05:25 PM
Thank you for your feedback, Jeffrey. It's great to hear you were satisfied with the services provided by me and my team!
Everyone involved was very courteous and patient. They were very prompt and professional. Made sure that it happened. I wanted a loan, and I got one.
Reply from Bob Chamorro
September 12th, 2025 04:34 PM
Jeffrey, I'm glad to hear that you had a positive experience. It’s important to me that the process was smooth and met your expectations. If you need anything else or have questions in the future, feel free to reach out. Thank you for your...
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Bob was referred to me by someone, and he was everything as advertised. Highly communicative and able to explain every step in the buying process. He even was responsive to my questions when I was asking off hours! Would 100% refer him to anyone...
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Reply from Owner
September 12th, 2025 04:35 PM
I'm grateful for your positive feedback, Joshua! I'm glad to hear that the experience met your expectations and that my communication and support throughout the process was helpful to you. It's always my goal to be as accessible and informative...
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Bob was referred to me by someone, and he was everything as advertised. Highly communicative and able to explain every step in the buying process. He even was responsive to my questions when I was asking off hours! Would 100% refer him to anyone...
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Bob made the process easy, he was very helpful and answered all questions we had. As first time home buyers he made the process an easy one.
Reply from Bob Chamorro
September 12th, 2025 04:35 PM
Elizabeth, thank you for sharing your experience!! I'm grateful for the opportunity to assist you as first-time home buyers and to make the process as straightforward as possible.
Bob was awesome walked me through everything with buying my first home highly recommended definitely would use Bob for my next home
Reply from Bob Chamorro
September 12th, 2025 04:36 PM
I'm glad to hear you had such a positive experience, Dustin. It’s great to know that you felt well-supported throughout purchasing your first home. Thank you for your kind words and recommendation!! - BC
very good!
Reply from Bob Chamorro
September 12th, 2025 04:36 PM
I'm glad to hear you had a positive experience, Cecily! If there's anything more you need in the future, feel free to reach out. Thank you for your feedback. - 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.