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 and his team were so helpful and informative throughout the whole process that it made it so easy to know what to do when to do it and all of it was so easy.
Reply from Owner
December 5th, 2018 12:00 AM
Hi, Jordan! Really appreciate the great review. The goal is always to close loans, but OUR goal is to make the process streamline and crystal clear for our clients. Oh, and as a bonus, we also love when rates and fees come in under what we...
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Honestly loved working with mike and his whole team! They were like my three angels who helped make my husband and I dream come true! Will recommend them to anyone! They were patient and helpful along the way and took away all my nerves. On...
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Reply from Owner
December 5th, 2018 12:00 AM
Thank you so much for the kind words. My team is amazing and it helps when you have AWESOME clients! Hope you are enjoying the new home and are looking forward to making a TON of holiday memories! -Mike
I honestly can’t say enough positive things about Mike Tullio and his entire team. They all work very well together and the entire process is very streamlined, or they just do such a good job making it seam that way! They our professional,...
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Reply from Owner
December 5th, 2018 12:00 AM
Zach, we're about to put you on payroll! Ha, ha! While you're a seasoned pro at this whole mortgage thing you absolutely crushed the process (again) this time around. We love working with repeat clients and are thrilled your level of satisfaction...
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Michael & his team were always available & able to answer all of our questions, we had a alot! Everyone was extremely friendly and made the home buying process simple. The entire team treated you like a friend which is a great feeling while...
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Reply from Owner
November 27th, 2018 12:00 AM
We are so happy for your new home, Amanda! You guys were amazing throughout the entire process! Hope you are all settled and enjoying the new place! -Mike
Michael and his team were amazing to work with and made it very easy and smooth to do a refi I would highly recommend them for any Mortgage needs. They are the best there is!
Reply from Owner
October 26th, 2018 12:00 AM
Thanks for the amazing review Scott! Mortgages are a team sport and my team is amazing. Happy to help with anything in the future! Best, - Mike
Mike Tullio and his team are best in class! They were extremely professional, and Mike and his team helped me though this process with great patience. I have purchased many homes over the years in TX, IL, and FL, and this has been the best...
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Reply from Owner
October 9th, 2018 12:00 AM
Wow. What an awesome review Jeff! We always strive to provide the type of service you described above and my team really appreciates the kind words. They work so hard to make the mortgage machine run smooth and to keep clients updated every...
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Mike and his team were SO GRACIOUS in working with my tight schedule and pushing for a quick closing even when things got rough. They worked around the clock for me and answered every single question I had. All of the staff were so friendly...
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Reply from Owner
August 29th, 2018 12:00 AM
So happy we could get this done for you, tight schedule and all! So, thank YOU for being so diligent with signing documents, sending documents and communicating with our awesome team. Hope you are enjoying your new place! -Mike
Mike was helpful and supportive to begin with. He has a solid automated process, and adds the personal touch whenever the client requests it. He managed some of my last minute requests without any complaint - Will use again.
Reply from Owner
July 19th, 2018 12:00 AM
No complaints here! You were awesome to work with and I am so happy to hear you had a great experience with our process. We'll be here for the next one! -Mike
Mike and his team were very professional and had very quick turnaround time. I had the pleasure of working with Mike, as well as Denee and David, from his office. They answered my many questions with patience. I would absolutely pass Mike’s...
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Reply from Owner
July 19th, 2018 12:00 AM
What can I say besides, THANK YOU! My team is awesome and we aim to provide top quality service and advice on all levels of the loan process. Hope are are settled and enjoying your new digs! -Mike
Mike really went to bat for us. He looked at a few loan options and pushed for us at the beginning and towards the end of the loan process. I called him night weekends and he always was there to help. I was impressed with how smoothly everything...
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Reply from Owner
July 19th, 2018 12:00 AM
"So happy to be in our new home with little to no hiccups!" <--This is why we do what we do and can't thank you enough for your trust in myself and my team. If anything comes up in the future we are happy to help! - 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.