Marco Garofalo
Sr. Loan Officer | NMLS# 1735567
At Lower, LLC we understand the importance of home financing. We have the knowledge and experience you can count on to deliver a simple and hassle-free lending experience. Whether you are buying your first home, refinancing or moving up, L... Show More
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Business Hours
Wed
9 AM to 5 PM
Thu
9 AM to 5 PM
Fri
9 AM to 5 PM
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Reviews from Web
Marco help us during the entire process and made it smooth and easy until we closed on the house.
Very knowledgeable, quick turnaround
Marco was available through the entire process. He was able to break down information and make it easy to understand. I couldn't have ask for him to be more helpful.
Reply from Marco Garofalo
September 7th, 2026 02:16 PM
Lynn, I'm grateful for your feedback and pleased to know that I could make the process clear and straightforward for you. It's important to me to be available and helpful throughout your journey.
Always took the time to answer my questions and explained all the important information.
Reply from Marco Garofalo
August 24th, 2026 04:26 PM
Shenaz, I appreciate your feedback and am happy to know that I could provide the information and support you needed. It's important to me that all your questions are answered thoroughly.
Marco was so great to work with during this process. He was helpful and made sure we were getting the best rates for our mortgage. We would recommend working with him in the future.
Reply from Marco Garofalo
August 21st, 2026 08:23 PM
Gabrielle, I appreciate your kind words and am glad to hear that I could assist you in securing the best rates for your mortgage. It's wonderful to know you had a positive experience, and your recommendation means a lot to me.
Marco is an outstanding lender who truly gets it done. He is responsive, knowledgeable, and makes the entire loan process smooth and stress-free. No matter the situation, Marco finds solutions and keeps everything moving so deals close on tim...
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Their attention and communication
Reply from Marco Garofalo
July 27th, 2026 06:50 PM
Judith, I'm thankful for your kind words about my attention and communication. It's important to me that you feel supported throughout the process. If there's anything else I can assist you with, please don't hesitate to reach out.
I am very blessed to have found Marco as my lender. Marco was very informative and he made the mortgage process understandable! Marco explained rates, terms, and options clearly and as a first time homebuyer it was very appreciated!! Marco...
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As a real estate agent, I appreciate lenders who communicate well and stay on top of the process. Marco was responsive, professional, and kept everyone informed from contract to closing. He was always available to answer questions, provide...
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Easy and painless, Communication was great and the remote closing process was convenient
Felt like the transaction was between 2 friends more than an actual business transaction
Reply from Owner
May 28th, 2026 04:45 AM
Thank you for the kind words, Michael! It was great to work with you on accomplishing your goal!
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About
At Lower, LLC we understand the importance of home financing. We have the knowledge and experience you can count on to deliver a simple and hassle-free lending experience. Whether you are buying your first home, refinancing or moving up, Lower, LLC offers a wide variety of mortgage products suited to fit the needs of our clients. With our industry-leading customer service, we’re sure to find the home financing that is right for you.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Mortgage Refinance
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Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS# 1735567
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.