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
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closed
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closed
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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 time....
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I recently worked with Marco as the lender on a transaction and couldn’t be happier with the experience. He was attentive, always answered his phone, and provided clear weekly updates so no one was left guessing. Thanks to his communication...
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Working with Marco Garofalo to get my first mortgage was an incredible experience. As a first-time homebuyer, I was nervous and had a lot of questions, but Marco made the entire process smooth, clear, and stress-free.He took the time to explain...
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5 star service . I always value communication and execution. Top notch on both !
Marco was excellent to work with. This was my first time going with DSCR loan and had a lot of questions. Marco was very patient through out the process and went above and beyond to guide me and helped me get the best rate by locking in at...
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Reply from Owner
April 4th, 2025 08:46 PM
Thank you, Raj! It was my pleasure. Good luck on your new investment!
Marco
Marco is the absolute best! He’s hardworking, diligent, and truly cares about his clients. I will be using him again in the future!
Reply from Owner
March 25th, 2025 02:19 AM
Thank you! Happy to help
Marco is a great problem solver and helped us get an extremely complicated commercial loan closed. I highly recommend him!
Reply from Owner
March 25th, 2025 02:19 AM
Thanks, John! My pleasure
I've been working with John Gavura and his partner Chris at CMG Home Loans for a while now, and they are absolutely top-notch. Their dedication and hard work are evident in every interaction. They're not just responsive; they're proactive,...
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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.