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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 Chamorro - Lower Mortgage has received a review with 5 star rating from Yolanda L B
Reply from Owner
August 5th, 2025 05:34 PM
Yolanda, thank you so much for taking the time to share your positive experience. I'm pleased to hear that you were satisfied with how things went. Your trust and recommendation mean a lot to me! - BC
It was wonderful working with them on my loan, they took care of every last detail.
Reply from Bob Chamorro
September 12th, 2025 04:36 PM
I'm grateful for your feedback, Yolanda. It was a pleasure assisting you with your loan process and ensuring all the details were handled smoothly. Should you have any more questions or need assistance in the future, feel free to reach out....
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We just bought our first home a few days ago, Bob and his assistant Bremi helped us step by step and were very patient and professional. In such a frustrating process especially with not much previous experience this is the team you need! They...
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Reply from Owner
August 5th, 2025 05:35 PM
Adrian, congratulations on purchasing your first home! I'm really pleased to hear that you felt guided and supported throughout the process. Bremi and I strive to make the experience as smooth as possible, especially when it's your first time....
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We bought our first home a couple days ago with Bobs team . Bob and his assistant Bremi where very easy to work with , they explained the whole process and guided us step by step with constant communication. In such a frustrating process especially...
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Bob Chamorro - Lower Mortgage has received a review with 5 star rating from Casey M
Bob pulled off a miracle and was able to get me financed despite some huge hurdles we had to overcome during the approval process. I would highly recommend Bob to anyone looking to buy or refinance because he is very dedicated and he works...
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Bob always was very kind and supportive during the entire process
I am a first-time home buyer and Bob explained everything in a way that was easily understood and he was very reassuring and knowledgeable. He was easy to get ahold of throughout the process of securing a mortgage and his assistant Bremilee...
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Good communication
Fast and smooth. Was great experience!
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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.