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 entire team were absolutely amazing from the beginning. Everyone was friendly, helpful and well organized. Everything went smoothly and they kept me informed !!!!
Reply from Owner
February 15th, 2018 12:00 AM
Just how we drew it up! Thanks for mentioning my team, I couldn't do this with them and their efforts. It's also worth mentioning you guys were absolutely amazing handling document requests and getting paperwork signed on time. All in all,...
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Mike and his staff did a great job. Very proficient and expedient. We refinanced to get out of an fsa loan with PMI. Great experience. Would strongly recommend.
Reply from Owner
February 15th, 2018 12:00 AM
Really appreciate you taking time to write this review! So glad we were able to drop your MI and get your payment to a more comfortable number. Here to help if anything else comes up! -Mike
Mike and his team were an absolute pleasure to work with. Extremely helpful, and always available to answer any questions or concerns I had as a first time home buyer. 10/10 experience— I would definitely recommend them to anyone looking to...
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Reply from Owner
February 13th, 2018 12:00 AM
Hey Ash, and thank you for the glowing review! Being a FTHB is stressful and we do all we can to take the guess work out of next steps, even after closing. We truly hope you are settled and enjoying your new home! -Mike
We have previously obtained 2 mortgages through Mike and his team. There is no better recommendation than repeat customers, and we have just concluded a third financing with the Tullio crew. We wouldn't consider using anyone else for our mortgage...
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Reply from Owner
February 13th, 2018 12:00 AM
I knew these names looked familiar, Ha, Ha! I'm so honored in your confidence with me and my team. We always aim to make the process simple and easy EVERY time (even if it's your third). Thank you again! -Mike
One would typically associate the mortgage application process as an arduous task, both complex and mundane. However, this is not at all our recent experience with Mike Tullio and his extremely attentive team! I was well informed during every...
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Reply from Owner
February 13th, 2018 12:00 AM
So glad to hear about your experience with our team and the Guaranteed Rate process! I wish I could say I was surprised, but they are an amazing group! Really, REALLY appreciate you taking time to write this review! - Mike
Great overall experience. The knowledgeable, friendly, and responsive staff showed tremendous persistence in seeing our loan through to signing. I would have no issues recommending Mike and his team to anyone looking for a new loan or refinance....
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Reply from Owner
January 3rd, 2018 12:00 AM
Thanks for the awesome review Darin! So happy we were able to get you across the finish line, despite some twist and turns. Enjoy your new place and have a Happy 2018! - Mike
When looking for superior knowledge, expertise & drive look no further than Mike Tullio. He is the hardest working loan officer in the business. He is a magician who can get even the most complex loans to the finish line. Make Mike your first...
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We refinanced our home with Mike and his team. He made the whole process easy to understand and seamless for us. He was able to take our 30 year term and reduce it to a 15 year term without increasing the monthly payment amount. The interest...
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Reply from Owner
December 18th, 2017 12:00 AM
Super savvy of you to move from the 30 year to the 15 year and was really excited we kept payments the same! Thank you so much for the kind words and have a happy holiday! -Mike
The Tulio team was superb in handling our loan. Having to change our traditional loan to a remodel loan hit a road block with the lender but the Tulio team handled it with efficiency. Managed to close right on time. We appreciate them for all...
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Reply from Owner
December 12th, 2017 12:00 AM
Jamie! Thank you so much for your awesome review, our 100th to be exact!!!!! It was truly a pleasure working with you and although there were a few challenges, we are so happy you are getting EXACTLY what you want. Enjoy your new place! -Mike...
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Mike and his team made the process flow so smoothly I was simply amazed. From start to finish I knew where the loan process was at all the times. The checklist of actions needed on my part was an excellent tool to keep me on track and let me...
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Reply from Owner
December 12th, 2017 12:00 AM
Amazing review, thank you! We do our best to keep everyone updated throughout the process and answer questions and concerns in a timely manner to make sure we stay on track for closing. So excited for you! Enjoy your new home! - 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.