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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Reviews from Web
Loved the digital experience. On top of things and delivered what they said!
Mike made refinancing our mortgage easy. He was quick to answer all of our questions and made something that is usually overwhelming very stress-free. We highly recommend him!
Reply from Owner
July 23rd, 2020 12:00 AM
Thank you so much for your kind words! We love working with great clients like you & your husband and glad we crossed the finish line in style!
Mike was incredible to work with! He was always there to answer the 10,000 questions I had, and made the stressful process of buying a house enjoyable and easy. Would HIGHLY recommend. You will not find a more professional lender out there.
Reply from Owner
July 23rd, 2020 12:00 AM
Okay, don't tell anyone, but you are one of our all-time favorite clients Kimberly! We appreciate your kid words and we're so excited we got to help get you into your new place. All our best!
Mike Tullio and his team were absolutely wonderful during the entire process. As a business owner, there are usually hoops we need to jump through to process a loan, but they were direct, diligent, and very honest the entire process. I would...
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Reply from Owner
July 23rd, 2020 12:00 AM
Your feedback is just what the doctor ordered to keep me & the team motivated Anthony! Thank you so much for your business and trust in us and we're so happy we got things done for you!
We had a challenging mortgage to refinance but Mike and his team were great! They took the lead in resolving everything! I highly recommend Mike Tulio and his team!
Reply from Owner
July 23rd, 2020 12:00 AM
Glad we got you across the finish line with one of these amazing low rates my friend! Thank you for your trust in us!
Great team to work with
Grateful for personal attention and expertise provided by Mike’s team!
Staff was efficient and responded quickly. Initial estimated loan costs were higher than actual so that was a nice surprise. Would recommend this company without hesitation!
Mike is professional, honest, organized, and very easy to work with. He went above and beyond to make sure we got the lowest rates and had little to no costs at closing. We have worked with Mike on other occasions and he is a trusted resource...
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Mike is professional, honest, organized, and very easy to work with. He went above and beyond to make sure we got the lowest rates and had little to no costs at closing. We have worked with Mike on other occasions and he is a trusted resource...
read more
Reply from Owner
May 28th, 2020 12:00 AM
Thank you so much for taking the time to leave a review Matt! So happy we were able to lock in one of these historically low rates and save you some money - more gas money for the boat!
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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.