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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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 was referred to us by a good friend. This was our first home buying experience that was not a foreclosure. Mike and his team contacted us daily to keep us in the loop with the progress of our loan. We were able to close just in time to...
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Reply from Owner
July 6th, 2018 12:00 AM
Luke! We can't take all the credit as you were amazing through the entire process. My team and I work extremely hard to take the guesswork out and make your experience as painless as possible, so it's great to read reviews like this. That being...
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Mike and and team possessed the knowledge to present to me, and explain the benefits and costs of, various loan options designed to fit my goals. Throughout the loan process Mike and his team kept me up to date on where in the process we were...
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Reply from Owner
June 29th, 2018 12:00 AM
Thank you for the amazing review Dan! My team is second-to-none and am always elated when their efforts make a lasting impact on our clients. That being said YOU did such a great job handling all of the requests sent your way. Hope you are...
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Mike and his knowledgeable team walked us through the mortgage process every step of the way. They were always available for questions and prompt with return phone calls. I highly recommend them.
Reply from Owner
June 20th, 2018 12:00 AM
Thank you Kelly! I like to think we have the best team out there and really appreciate you acknowledging our hard work. So happy we could get this done for you guys! Have a GREAT day! - Mike
Mike and his team could not have done a better job in making the mortgage process any smoother. I could list dozens of reasons for 5 stars but not to bore I will stick to top five.1. Responsive- within minutes all emails or phone calls were...
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Reply from Owner
June 20th, 2018 12:00 AM
Wow, thank you SO much for the awesome review Rudy! The Top 5 list is our blueprint and we're so happy for you and your family! Hope you guys are all settled and enjoy the rest of your summer break! -Mike
Mike Tullio and his team at Guaranteed Rate was recommended to me from my older brother Dan. He said he had a great experience with them and of course, I had to trust my brother and he was right again.From the very beginning, Mike laid out...
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Reply from Owner
June 20th, 2018 12:00 AM
Thank you Patti! You were so great to work with and am here to help with anything that comes up in the future. Hope you are enjoying your Summer! -Mike
Mike and his team are the best at what they do. My husband and I are independent contractors and even though that can make for more issues when getting a home loan, we never had to stress or worry because Mike and his team made it an easy process...
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Reply from Owner
April 20th, 2018 12:00 AM
Couldn't have said it better, especially in regards to my team. We do everything we can to simplify the process, even if your source of income may require a few extra steps. So honored for the trust you place in our team! Looking forward to...
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This is the second time we have used Mike and his staff. The first time was two years ago to buy our house in Florida. When we decided to move back to Florida I had a conversation with Mike not realizing that he could handle a loan in NJ for...
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Reply from Owner
March 26th, 2018 12:00 AM
Nailed it! My team is awesome and we are so thankful in your trust in us the second time around. Hope you are settled and enjoying your new place! -Mike
Mike and the whole team were all very friendly and knowledgeable. They were a complete pleasure to work with and made the process quick and smooth. Thanks again!!
Reply from Owner
March 26th, 2018 12:00 AM
Thank you so much! Glad we were able to navigate the in's and out's of your refi, David! You were awesome to work with, especially when my team requested documentation. Really appreciate your efforts and the opportunity to handle your refinance!...
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Mike and his entire team were awesome to work with. They were on top of everything that was needed for closing and there was an open communication line through everyone that we had to speak with!
Reply from Owner
March 26th, 2018 12:00 AM
Hey Sarah and thanks for the awesome review! It's always a great feeling when we can make the process simple and transparent for a first-time home buyer! That being said you handled the entire process like a seasoned pro! Appreciate your faith...
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As a first time home buyer, I first prequalified with a big bank. I planned to stay with them but their response time was slow. I was referred to Mike and his team at Guaranteed Rate by my realtor. I reached out and Mike got the ball rolling...
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Reply from Owner
April 9th, 2018 12:00 AM
What an awesome review! Thank you! My team is amazing and you did a fantastic job of helping everyone stay on track with your timely follow-up's on document requests. We love helping all clients, but it's really special when a first-time home...
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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.