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
Location & Business Hours
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
I would highly recommended Mike and his team to anyone! They are hard working, very informative, extremely professional, phenomenal customer service, and one amazing first class experience!
Reply from Owner
April 17th, 2020 12:00 AM
Clients like you make this job totally worth the paper cuts and keyboard cramps, ha, ha! Thank you for the kind words and it was a true pleasure helping get you guys into your new home. All my best!
Mike and his team were very professional and easy to work with! They walked me through every step of the refinancing process and were always available for questions. I would recommend Mike to anyone looking to close on a new home or refinance!...
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Reply from Owner
April 17th, 2020 12:00 AM
We really appreciate your trust in us Caitlin! Thanks for taking the time to give us your feedback and we're glad you got to lock in one of these low rates and start saving some money!
From beginning to end of the entire buying process it was absolutely flawless and painless with Mike and the Cross Country Mortgage team! Mike pulled out all the bells and whistles to get me the best rate on my mortgage and he was so quick...
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Reply from Owner
April 17th, 2020 12:00 AM
Thank you so much for the amazing feedback Maegan! So happy you found your place and it checked off all the boxes you were looking for! And hey - your realtor was pretty awesome as well!
My boyfriend and I were first time home buyers and Mike and his team at CrossCountry Mortgage made the entire experience smooth and stress free. He walked us through the entire process and we learned a lot along the way. I would highly recommend...
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I couldn't have asked for a better and easier mortgage refinance than what I just experienced with Mike Tullio at CrossCountry Mortgage. From start to finish, Mike and his team answered my questions, sent step-by step tasks that I could understand...
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Great experience! I had a difficult refi, to say the least, and it was handled extraordinarily well by all the staff. Highly recommend!
Great customer service—very responsive and helpful in explaining every step of the process and keeping me up-to-date on what was happening. Got me the best possible rate. His associates were also very professional. Excellent experience during...
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Great information and follow up from everyone on the team. My closing went very smoothly.
Great working with you. Answered all questions son a timely manner, very willing to help me understand “multiple” times on the same subject. Will definitely use cross country mortgage for future purchases.
Great service, great communication
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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.