Marco Garofalo
Senior Loan Officer
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
Location & Business Hours
Business Hours
Tues
9 AM to 5 PM
Wed
9 AM to 5 PM
Thu
9 AM to 5 PM
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Reviews from Web
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!
Easy and painless, Communication was geeat great and the remote closing process was convenient .
Reply from Marco Garofalo
June 4th, 2026 02:52 PM
Michael, I'm pleased to know that you found the process easy and convenient. I'm glad the communication met your expectations and that the remote closing worked well for you. If you have any more feedback or need assistance, feel free to reach...
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Marco helped me every step of the way. He was always there to answer any question and calm any anxiety that I had, regardless of the time of the day. He was very prompt when getting back to emails and texts. He was truly amazing! When I thought...
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Reply from Owner
May 28th, 2026 04:43 AM
Thank you, Joann! Our pleasure. The kind words are much appreciated! Best of luck in your new HOME!
Amazing
Marco was amazing throughout everything, from start to finish. He answered every question and concern I had, no matter what time or day. There aren't too many people who exceed your hopes and expectations, especially when navigating a life...
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Reply from Marco Garofalo
May 25th, 2026 08:19 PM
Joann, I'm grateful for your kind words and am so pleased to hear that I could provide hope and peace during your mortgage journey. It's important to me to be available and supportive through every step, and I'm glad that I could meet your...
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Marco is very professional and truly cares about giving the best advice to the client. He has answered numerous questions without ever getting frustrated by my lack of understanding. I would recommend him to all of my friends and family without...
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Reply from Owner
May 28th, 2026 04:44 AM
My pleasure, Kayla! Thank you for your kind words...& best of luck to you and your husband in your new HOME!
Marco is very professional and truly cares about giving the best advice to the client. He has answered numerous questions without ever getting frustrated by my lack of understanding. I would recommend him to all of my friends and family without...
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Reply from Marco Garofalo
May 1st, 2026 05:34 PM
Kayla, I appreciate your kind words and am happy to hear that you found my advice helpful and professional. It's important to me that all your questions are answered thoroughly. Thank you for your recommendation; it means a lot to me.
Marco was very communicative and explained things UNTIL I could understand. Many will explain but don't ensure that you received the knowledge. Marco also made things simple and kelt us on track if we lagged behind a little bit. He kept the...
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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.