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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9 AM to 5 PM(Open now)
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9 AM to 5 PM
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Reviews from Web
Marco Garofalo has received a review with 5 star rating from Layliany
Marco Garofalo has received a review with 5 star rating from Thomas B O J
Overall experience
Reply from Marco Garofalo
September 25th, 2026 01:23 PM
Thomas, I appreciate your positive feedback about the overall experience. At Lower, I'm committed to providing support and ensuring everything runs smoothly for our clients.
Marco Garofalo has received a review with 5 star rating from Noah P
Marco was helpful and informative! Made sure everything was covered and smooth sailing. Huge help when things would get stressful. A+++ Thank you so much again!
Reply from Marco Garofalo
September 18th, 2026 04:09 PM
Carlee, I appreciate your kind words and am pleased to hear that I could help make the process smooth for you. At Lower, we strive to ensure everything is covered and stress-free. Thank you for your feedback!
Marco help us during the entire process and made it smooth and easy until we closed on the house.
Reply from Marco Garofalo
September 18th, 2026 04:48 PM
Douglas, I'm glad to hear that I was able to assist you throughout the entire process and make it smooth and easy. At Lower, it's my goal to ensure that closing on a house is a positive experience for you.
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.
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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.