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 are extremely great at what they do. He was always there to answer any questions we had (always answered the phone)! They we able to get us an incredible loan with a great interest rate! He got us pre-approved and made it...
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Reply from Owner
December 12th, 2017 12:00 AM
Have to say, my team is amazing and couldn't do it without them. Ecstatic to hear about your experience and how about your lower than expected rate AND lower than expected closing costs! Thank you again! -Mike
I really can't say enough about Mike Tullio and his amazing team. I actually worked with Mike in the mortgage industry many years ago and when it came time to purchase a new home, there was nobody that I trusted more. From application to close,...
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Reply from Owner
December 12th, 2017 12:00 AM
It was AWESOME getting to work with you again Brian! Grateful for your trust in myself and my awesome team. Cheers to another smooth closing and we hope you are enjoying your new place! -Mike
Mike & team are the best in the industry. His team were always responsive to questions and gave great advice. The pre-approval process came back within 24 hours and we were able to move the closing up 1 week. I already recommended Mike's team...
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Reply from Owner
December 12th, 2017 12:00 AM
What an awesome review from an even awesomer? couple! Love that you are living the dream living on the water and THANK YOU for referring your friends! Enjoy your palace! -Mike
Mike and his team are awesome! Very easy to work with and always has a terrific recommendation if you need it. Being self-employed makes things a tad tricky... but not for Mike and his team! Thank you for getting me closed ahead of schedule...
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Reply from Owner
August 24th, 2017 12:00 AM
Really appreciate the review Lisa and THANK YOU for your recommendations, they mean the world to us. So happy we could help you with your purchase and hope you are enjoying your new place! -Mike
I have used Mike and his team for years. His customer service is outstanding and his industry experience will help get your loan closed! I regularly send friends his way ~
Reply from Owner
August 28th, 2017 12:00 AM
Thank you so much for the review and I really appreciate the faith you have in myself and my team. Looking forward to helping out anyone you send our way! Congrats on the new place!! -Mike
So I've bought 4 houses in the past 6 years, and used Mike in the purchasing and refinancing of the last 2. I wish I would have been referred to him sooner! He takes his work very seriously, and it is refreshing to have someone working for...
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Reply from Owner
August 17th, 2017 12:00 AM
Wow. Thank you! Your trust means everything to myself and my team. We work hard to make the process as streamline as possible for ALL of our clients. Thank you again for the awesome review! -Mike
Mike did a great job getting the job accomplished. Mike and his team responded quickly when returning phonecalls. his team is efficient and proffessional. We got Mike"s name from a friend that had worked with him several times. Thanks Mike...
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Reply from Owner
August 1st, 2017 12:00 AM
Mission accomplished! Efficiency is key in the mortgage process and am so happy to hear of your great experience with my team. It was an absolute pleasure working with you and hope you are enjoying your new place! -Mike
I would like to personally thank Mike and his team for their professionalism, dedication, and outstanding service. They were able to find me a financing solution that met my needs, while working through some short term credit challenges I was...
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Reply from Owner
July 26th, 2017 12:00 AM
Trifecta! A tight timeline, credit, "challenges" and being out of state?! Ha, ha. It really was our pleasure to work with you and to help your family find a place worth calling home here in Manatee County. While we had a few speed bumps you...
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As an out of state buyer of a retirement property I was amazed at how helpful Mike was in structuring a solution around the traditional working income requirements. As a recently retired person, he made it easy. All completed without much work,...
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Reply from Owner
July 24th, 2017 12:00 AM
So happy to hear of your experience with our office! Many retirees find the mortgage process daunting, but we are able to come up with some creative lending solutions to make dreams of owning a retirement property a reality. Really hope you...
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Mike and his team were extremely on top of things and ahead of the game. Everyone we worked with were nothing but professional and friendly. They genuinely care about their customer! This is the third mortgage I've had, but the first one with...
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Reply from Owner
July 24th, 2017 12:00 AM
I cant say enough about how much I appreciate your review! It means a lot to myself and my team when we hear the process was painless for our borrowers. You did such a great job in meeting all requests and getting everything over in a timely...
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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.