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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Mike, Denee and the whole CrossCountry team made our whole mortgage experience so easy! They constantly communicated with us along each stage of the process, up until closing. We highly recommend them!
Great rates, customer service and prompt / immediate responses and continuous feedback. Would highly recommend to friends and family.
Mike and his team are amazing. They make the process feel effortless. This is our 2nd time using them. I would recommend them to anyone.
We purchased a vacation home, and Mike Tullio and his team were extremely helpful every step of the way. They executed the closing within the promised time limit and made the whole process very comfortable. It was so easy that we decided to...
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Mike and his team are hands down the best team! They were on top of things, problem solved a few hiccups, and kept us from having any fears on purchasing while in another part of the country. We will be sure to use them again on our next home!...
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Mike did an amazing job moving quickly and locking in a Great Rate! Could not be happier with the follow-up and Follow thru! Mike and his team are the best in the business. I have closed 5 homes in 8 years and by far the best experience.
Stellar customer service - Mike and his entire team are kind, efficient, patient, and excellent at what they do. They made our first home purchase smooth and enjoyable!
Great customer service. Staff was helpful and communicated well.
We chose Cross County Mortgage for a covnentional loan refiance and were not disappointed. Mike and his Team were very responsive and easy to work with. Expectations were set and met throughout each phase of the process. 5 stars, 10/10 - would...
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Mike Tullio and his team are phenomenal!! My husband and I just went through the homebuying process with them as our lender, and we were beyond impressed. They made everything extremely easy--from online documents to calling someone with questions....
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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# 208860
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.