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
Purchasing property can often be a waiting game where the buyer doesn't really know what is happening with their loan. Not with Mike and Guaranteed Rate. Every time I began to wonder what was happening with my loan, in comes an email or text...
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Reply from Owner
July 24th, 2017 12:00 AM
Communication is key in our business and we are thrilled to hear you were happy with how we deliver updates and information. It's our aim to make sure you are never in the dark while going through our mortgage process. Enjoy the new place!...
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Mike and his team were extremely responsive and truly care about customer satisfaction. Highly recommended if you want a great rate, and great service.
Reply from Owner
July 24th, 2017 12:00 AM
Couldn't agree with you more! We really do care about our client's and aim to provide sound advice and reasonable expectations with their purchase or refinance. Thank you for trusting the process and always being responsive when items were...
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As an out-of-state home buyer I was somewhat concerned over the logistics of finding a lender and the application and closing processes. In addition, because I was purchasing a condo as a 2nd residence there were several lenders who either...
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Reply from Owner
June 29th, 2017 12:00 AM
Out of town, condo, 2nd home!? No problem! Ha, ha. I joke but none of this would have been possible without awesome clients like you. Thank you for your flexibility throughout the process and your confidence in my team. Enjoy your new place!...
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Mike's team will support you and will work with you until the process is 100% completed. From insurance companies, to inspections, all documents needed etc.. My experience was a painless and worry free process and very efficient. I will recommend...
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Reply from Owner
June 28th, 2017 12:00 AM
Annette! Wow, can't thank you enough for the incredible review. We are so happy you are settled in your dream home, and with a lower than expected interest rate! -Mike
Worked with Lauren and Mike....they were awesome!! Answered all of my questions immediately and always returned emails/phone calls!! Would definitely recommend them to anyone looking for a loan!!
Reply from Owner
June 28th, 2017 12:00 AM
It was so great working with you and happy we could come in with a lower than expected rate on your first home! Thank you so much for the kind words, and you are right, Lauren is awesome! -Mike
Mike and staff ware excellent. We closed our mortgage on time as promised. Mike and his staff kept us updated every step of the way. I would highly recommend Guaranteed Rate, Mike and his staff to anyone looking to obtain a mortgage.
Reply from Owner
June 28th, 2017 12:00 AM
This is what I'm talking about! On time closings, no surprises and happy clients. Thank you for the opportunity to earn your business and we hope you are enjoying your new place. -Mike
Awesome response time, knowledgeable people, answered all questions, extremely helpful. Mike and all team members were very professional and friendly.
Reply from Owner
June 28th, 2017 12:00 AM
We are so glad you were happy with the service my team and I provided. We try to be as transparent as possible through the entire loan process. Thanks for the awesome review! - Mike
Mike and his entire staff hands down was the most professional group I have ever had business with. I would highly recommend anyone dealing with Mike and his staff on any level on their lending needs
Reply from Owner
June 22nd, 2017 12:00 AM
We are so happy to hear about your great experience with the Tullio team! It was our pleasure assisting with your refinance. Happy to help with any future mortgage needs and again, really appreciate the opportunity to work with you!! -Mike
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Guaranteed Rate did an outstanding job finding me the most competitive rate and guaranteed that we could close on time. Mike's staff communicated almost on a daily basis to make sure that materials were provided, completed and forwarded to...
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Reply from Owner
June 23rd, 2017 12:00 AM
Thank you for the awesome review! We are so happy you placed your trust in Team Tullio and are thrilled we could exceed your expectations. It is our priority to communicate every step of the way and eliminate surprises and close on time. Thank...
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Mike and his team were a pleasure to work with. He answered all our questions and helped us out when no one else was able to help us on refinancing the house.
Reply from Owner
June 22nd, 2017 12:00 AM
Thanks for the awesome review! My team and I work diligently to streamline the mortgage process and answer all questions that come up quickly and accurately. Thank you for the opportunity to work with you on your refinance! -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.