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
Mike and his team were a pleasure to work with and made our experience as first time home buyers as easy as can be! They were great communicators and explained everything clearly! It felt like they were truly in our corner as we bought our...
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Reply from Owner
October 17th, 2019 12:00 AM
We are so excited for this new chapter in your lives Lily! Epic year so far! Thank you for trusting me and my team and I hope you make some amazing memories in the new place this holiday season and beyond!
This was a very easy process and a great experience for me. Losing a husband is very tough and a rough situation at the same time. Mike Tulio's team are all Angels in disguise. Everyone that I've encountered was super nice and professional....
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Reply from Owner
October 17th, 2019 12:00 AM
I am so moved by your kind words Lesley - it was truly our honor to help you put together some solutions that will help you with this new chapter of your life. We are here anytime you need us!
As a first time home buyer, my husband and I could not have asked for a better experience. After trying to deal with our bank (which was terrible) we were recommended to Guaranteed Rate. I am so glad I had the pleasure of working with Mike...
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Reply from Owner
October 14th, 2019 12:00 AM
Thank you so much for the kind words Nicole! Some roads are a bit bumpier and may have a curve or two, but the destination can be that much sweeter. Glad your path lead you to me and my team as well as your awesome new home!
Mike and his team did an incredible job, they were fast, accurate, and extremely knowledgeable. I would use him again in a heartbeat. Highly recommend!
Reply from Owner
July 16th, 2019 12:00 AM
Thank you so much for your kind words! I am penciling you in for a loan in a couple years when rates drop into the 2%'s, ha, ha! We truly appreciate your business and wish you nothing but the best in the days ahead!
Fast and efficient. Supportive staff and quick response to emails and phone calls. Online application was very user friendly. Overall great experience with Mike Tullio and his team.
Reply from Owner
July 16th, 2019 12:00 AM
Can't tell you how much that means to me and the team! We truly appreciate your business and do our best to feel the need for speed, and accuracy! Thank you so much for your trust in us!
Mike Tullio takes pride in his Team and he should!! I was provided his name and number for financing my home in Florida (I’m from New York). He and his team got me an awesome rate, provided guidance from start to finish and basically took me...
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Reply from Owner
February 26th, 2019 12:00 AM
I'll say it again, my team is AWESOME! So happy we could make the process simple and easy but let's not forget the role you played in making everything seamless. Hope you are enjoying the new digs and here to help if anything comes up! - Mike...
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When I decided it was time to buy my home my Realtor said "Mike Tullio and the group at Guaranteed Rate" are the best in the business. That was no lie, Mike Tullio lead me through the loan pre-qualification and right through closing of the...
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Reply from Owner
January 15th, 2019 12:00 AM
Hi Rob! Really appreciate the kind words and cannot thank you enough for your trust in our team. Hope you are enjoying the new place and what a way to start off 2019! - Mike
Mike Tullio and his team provide OUTSTANDING service! From the first phone call to the final loan closing they were professional, knowledgeable, and helpful. Mike is respectful and very personable. He returned my phone calls timely and answered...
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Reply from Owner
January 7th, 2019 12:00 AM
Thank you so much, Rhonda! My team and I work extremely hard to provide awesome service during every step of the loan process. We so much appreciate your trust and wish you many happy years in your new place. Have an AWESOME 19' and beyond!...
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Working with Michael Tullio was a wonderful experience. He was helpful, trustworthy, honest, communicated well, stayed on top of our progress and was always willing to answer our calls and question. I would absolutely use Tullio again, or recommend...
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Reply from Owner
January 2nd, 2019 12:00 AM
Wow! Thank you Isabell! The best compliment is knowing you feel comfortable referring me to your friends and family. My team and I are so happy we could get this done for you and hope you have an AWESOME 2019! -Mike
Mike and his team and Guaranteed Rate are first rate when it comes to mortgages. The team was fast and efficient. As a first time home buyer, I had a lot of questions and they were able to answer them all and leave me very comfortable with...
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Reply from Owner
January 2nd, 2019 12:00 AM
You're Welcome, Chris! It was awesome working with you and throughout the process you crushed out every request from the team. We hope you enjoy a prosperous new year in your first place. Thanks again for your trust! -Mike
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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.