Mike Tullio
VP of Lending | NMLS# 208860
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
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9 AM to 5 PM
Fri
9 AM to 5 PM
Sat
closed
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Reviews from Web
Lower made buying a house possible for me to relocate on variable income, Mike and AJ were great with communicating and always made sure wverything was taken care of!
Reply from Mike Tullio
October 28th, 2026 11:04 AM
Love it when a plan comes together Eddie! Enjoy the sunshine vs. the snow this winter and thank you for your trust in me & my team!
Mike Tulio made my first time dealing with this situation a breeze. Will definitely use him again in the future.
Reply from Mike Tullio
October 27th, 2026 09:55 PM
You. Are. Awesome! Thanks for trusting me and the team with your mortgage Jen! Wishing you nothing but the best in this new chapter and home!
When I had questions Mike explained everything in a way we could understand. He was quick to get back to us too.
Reply from Mike Tullio
October 27th, 2026 09:58 PM
Thank you for the kind words Kristina! So happy we could play a part in your move to the Sunshine State! Enjoy seeing your friends on social media shoveling snow this winter, ha, ha!
It was great to work with Mike, AJ and the team!! Quick response and help all along the way!
Reply from Mike Tullio
October 27th, 2026 09:59 PM
You're the man Eric! Thanks for taking the time to leave a review. Our review of you? Favorite client of the year, ha, ha! Enjoy the sunshine and warm weather this winter in your awesome new place!
Fast friendly service.
Reply from Mike Tullio
October 27th, 2026 10:01 PM
Three of my favorite words Thomas! Excited for this new chapter and hope you're enjoying those killer views in the new place!
We truly appreciate the constant communication and care
Reply from Mike Tullio
October 27th, 2026 10:02 PM
Awww. Well, we appreciate YOU Amy and we are thrilled to have played a part in getting you into the new place. We'll keep the communication going beyond closing and look forward to connecting again soon!
What made it great was the communication fooe can't. It was just let's get this done
Reply from Mike Tullio
October 27th, 2026 10:05 PM
You inspire us Rex! Love seeing hard-working young(er) people like you step up and invest in their futures! I have a feeling this won't be the last place you buy, so keep us in the loop with your big plans and thanks for including us!
Got us the financing we needed!
Reply from Mike Tullio
October 21st, 2026 09:41 PM
Glad we could line things up for you guys Ben! Always a HUGE compliment when you get repeat clients and me and the team truly appreciate it!
Got it done for us.
Reply from Mike Tullio
July 6th, 2026 08:44 PM
Glenda, I'm glad to hear that everything was completed to your satisfaction. I appreciate you sharing your experience!
We have worked with Mike for years. He is always helpful, friendly, and proficent. I would recommend him to anyone.
Reply from Mike Tullio
June 22nd, 2026 02:55 PM
Heather, I'm grateful for your kind words and recommendation. It's been a pleasure working with you over the years, and I truly appreciate your continued trust.
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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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Memberships
- Bradenton Yacht Club
Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Year Started
2004
Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS# 208860
Achievements
- Top 1% of Originators
Hobbies
- pickleball, tennis, live music, boating, snowboarding, writing
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.