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
Wed
9 AM to 5 PM
Thu
9 AM to 5 PM
Fri
9 AM to 5 PM
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Reviews from Web
Mike T. and his amazing team kept me informed on the refi I had with them. I’m going to be telling all my friends, clients and family about them, they don’t stop until it closes.
Mike and his team were extremely easy to work with. Quick to get the job done while keeping everything as simple as possible. I have already recommended Mike to my step son for a refinance and they are experiencing the same great service that...
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Mike and his team made the entire refi process seamless. I am so glad that we chose to go with Cross Country Mortgage and I am beyond happy to write this review. From start to finish, we closed much quicker than anyone else I know that has...
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Overall this was a great experience and prompt service was provided. The only con was that there had been some confusion as to condo insurance policy that I wanted, which impacted closing costs figures.
Mike and his team where awesome to work with. They even helped me secure a short term loan with one of their business partners. They went well above and beyond to get this done. The entire team was professional and prompt with answers throughout...
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Mr. Tullio thought outside of the box and had an answer on the transactions I was contemplating. We closed. It was great. He was open, available and communicative. Wonderful service. Got things done and knew how to when others were puzzled....
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Communication is important to me. It was especially important buying this house since I was located on the west coast and the time difference made everything more time sensitive. Mike and his team were friendly, knowledgeable and quick to respond...
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What can be an overwhelming and stressful process was made so easy by Mike and his team. Everyone we dealt with was not only so friendly but knowledgeable and helpful. We had a wonderful experience.
Best home loan experience I have ever had. Mike and Chris are FANTASTIC!!
Mike and his team were so helpful and professional. CrossCountry Mortgage made refinancing easy! Thanks to Mike, I am saving more than I ever thought possible. 5 stars isn't enough! I would recommend them to anyone looking to buy or refinance....
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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.