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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9 AM to 5 PM
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9 AM to 5 PM
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9 AM to 5 PM
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Reviews from Web
Mike was very easy to work with answering all my questions and concerns.Getting the loan was easier than finding a buyer for my condo. I would definitely recommend Guaranteed Rate to anyone looking to buy a net home.
Reply from Owner
May 19th, 2017 12:00 AM
Thank you for the kind words! We aim to make the process as easy as possible and am so glad you were happy with my team. Happy to help with any future mortgage needs you may have. Have a GREAT day! - Mike
Mike Tullio's office was top to bottom outstanding. Everyone, from Lauren, to David, to Susan, to Denee and Mike himself were knowledgeable, extremely informative and most of all patient. As a first time home-buyer I needed guidance and information...
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Reply from Owner
May 19th, 2017 12:00 AM
Thank you SO much for this review! Being a first time home buyer can be intimidating when it comes to the mortgage process and am so thrilled you found it easy to maneuver with the help of my awesome team. Not to mention we were able to renegotiate...
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Because of several years living and working outside of the USA, my situation was unique, however Mike and the team were able to easily deal with all of the paperwork issues that came up and get me from first contact to closing within about...
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Michael and his team were highly professional and did a fantastic job keeping us informed. We owe much credit to Guaranteed Rate for their help in our first experience buying a home. Thank you!
Reply from Owner
May 4th, 2017 12:00 AM
Thank you so much for the awesome review and we appreciate your confidence in our team to handle the financing of your first home! While the paperwork can be daunting you made it to the end unscathed and under budget! Enjoy your new place,...
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Mike and his team are great. There are no words to express how helpful they are through the entire process. Mike and his team are 100% transparent, honest, and to the point. We closed TWO mortgages with him, and we'll definitely be referring...
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Reply from Owner
May 4th, 2017 12:00 AM
Wow, thank you for the amazing review! It was a pleasure working with you and your communication with my team was incredible! We aim to streamline the process and you guys are a great example of that process working seamlessly (twice)! Talk...
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Everything was done great and made the process easy. Mike and his team were very helpful, professional and did everything they could to assist me with the loan process.
Had a great loan process with Mike and his team. I have gone through a lot of mortgage loan processes in the past and this was by far one of the most structured and pleasant ones I have experienced thus far.
I have used Michael Tullio for 2 VA home purchases. The communication of what was going to happen, what was happening, and the accuracy in which his team worked with me on required documents was incredible. I highly recommend Mike to anyone...
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Reply from Owner
March 22nd, 2017 12:00 AM
It has been AWESOME working with you not once, but TWICE on your VA purchases! We are so thrilled when we receive positive feedback on our process. That being said, YOU did a great job of utilizing our technology and getting Susan and Denee...
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Mike Tullio and his team were recommended to me by some friends I was highly impressed by Mike Tullio and his team! I will recommend them to anyone who Is looking to own a house!
Reply from Owner
March 22nd, 2017 12:00 AM
We really appreciate your awesome review and ultimately your trust in us to guide you through your first home purchase! It can be daunting purchasing your first home but my team and I strive to make the process as smooth as possible for everyone...
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We have bought and sold several properties. This sale was by owner, so no realtor involved. That made Mike's team and us responsible for all the details. They worked very hard to get this property to close and on the date we requested.
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Reply from Owner
January 27th, 2017 12:00 AM
Thank you for the review! You did an amazing job communicating with the team and getting us everything we needed to hit the closing table on our target date. Really enjoyed working with you and hope you are having a blast in your new 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.