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
Friday
9:00 AM to 5:00 PM
Saturday
closed
Sunday
closed
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Reviews from Web
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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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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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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Marco was always available, start to finish. He made this process smooth and resolved any issues that I had quickly. I felt like I was dealing with a friend, that's how good he was !!!
Reply from Marco Garofalo
April 21st, 2026 02:11 PM
Joseph, I'm glad to hear that you felt supported throughout the process and that I could address your concerns quickly. It's great to know you felt comfortable, like dealing with a friend. If there's anything else you need, just let me know!...
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I recently had the pleasure of working with Marco. He was professional, supportive and available every step of the way !!! He made the entire process smooth and he quickly resolved any issues. Quickest closing ever !!! I highly recommend him...
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I recently had the pleasure of working with Marc. He evaluated my situation and put a perfect plan in place. He provided continuous support and guidance throughout the process . Quickest closing ever !!!
Reply from Owner
April 9th, 2026 04:49 AM
Thank you, Joseph! Pleasure working with you & happy to help!
Smoothest mortgage transaction inever I ever experienced!
Reply from Marco Garofalo
March 31st, 2026 04:40 PM
I'm pleased to hear that the mortgage transaction went smoothly for you. It's always my aim to provide the best experience possible. If you have any more questions or need further assistance, feel free to reach out.
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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.