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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9 AM to 5 PM
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9 AM to 5 PM
Fri
9 AM to 5 PM
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Reviews from Web
We purchased a home in July through CrossCountry Mortgage and Mike Tullio and his amazing team. They made the whole process seamless and answered a myriad of questions from us with courtesy and timeliness. If you want a mortgage lender who...
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Mike and his Team are excellent to work with! They are courteous, punctual and do what they say they are going to do. Working with them was a pleasure!
Mike and his team made the whole experience seamless from start to finish. I always knew where I was in the whole process. Always available to answer questions. Exceptional customer service thru it all. Would highly recommend.
Always there! Made it quick!
Mike and his team are incredible. The entirely digital process made my closing easy. I always knew where I was in the process. I would recommend Mike and his team to anyone looking to close on a new home :)
Great working with Mike. He was always available, professional and knowledgeable. Went out of his way to help us and make sure everything was done on time and correct. I would highly recommend Cross Country Mortgage.
Mike and his team did a great job with my refinance. Not only did they offer a better rate than the "big banks", they had exceptional customer service. Would recommend CrossCountry to anyone!
Reply from Owner
July 23rd, 2020 12:00 AM
Now THAT'S what I'm talking about Andrew! Enjoyed working with you and glad we got you locked in with a great rate! Appreciate your business my friend!
Mike was extremely knowledgeable, patient and responsive. A very good experience from beginning to end of the process. Everything went as expected.
Reply from Owner
July 23rd, 2020 12:00 AM
Really enjoyed working with you as well Rebecca! Not every day you get to save someone over $800 a month! Appreciate your business and wish you the best in the days ahead!
We had some "issues" and were having difficulty obtaining a mortgage. Mike is the only broker who worked closely enough with us to fully understand the situation. He made suggestions that solved our problems and got us a mortgage at a great...
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I've known Mike Tullio for quite some time. We have a great referral relationship. When it came time to do my personal refinance there was no question on who I should go with. He always puts his clients needs first. He tells you how it is with...
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Reply from Owner
July 23rd, 2020 12:00 AM
Really appreciate the kinds words Matt - love working and doing business with like-minded people and glad we could lock in one of these low rates for you my friend!
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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.