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
Thu
9 AM to 5 PM
Fri
9 AM to 5 PM
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Reviews from Web
Mike and his team do an outstanding job! I had been in contact with Mike for a few years about buying a house. I had a lot of student loan debt, along with a growing small business. Mike helped me understand the process for self employed home...
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Reply from Owner
January 24th, 2017 12:00 AM
Thank you for your review! We are thrilled to hear our team could navigate and support you throughout your loan process. Wishing you all the best in your new home. Cheers, The Customer Success Team
I recently worked with Mike and his team to purchase a new home in Sarasota. The paperwork process was incredibly easy and simple to understand. Although my situation was very difficult and there were many uncontrollable obstacles, Mike and...
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Reply from Owner
January 24th, 2017 12:00 AM
Thank you so much for taking the time to write such a thoughtful review, we are happy that Mike and his team could provide you with such a positive experience! Cheers! -- The Customer Success Team
Our experience with them was fantastic like I said "smooth sailing " the process was well handled by Mike and his team we were blessed to have him and his team work on out home buying adventure. I would definitely recommend them to friends...
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Reply from Owner
January 24th, 2017 12:00 AM
Thank you for such a wonderful review! We are so happy you chose to partner with Team Tullio and Guaranteed Rate to lead your, "Home Buying Adventure"! Enjoy your new place!! -Mike
Now on our 3rd home, and 3rd mortgage... We have had nothing but bad experiences before, Bank 1 was the biggest headache until our second home when Bank 2 won the award for worst possible mortgage company. We had to postpone our closing because...
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Reply from Owner
January 24th, 2017 12:00 AM
Third time is the charm! We really appreciate the kind words and your feedback on the systems that made your loan process a success. Have a great time in your new home and best wishes from Team Tullio! - Mike
Mike and his team were always available, explained and explained until it was clear, and made the gathering, signing and uploading of documentation unbelievably simple. Thank you, Mike et al!
Reply from Owner
January 24th, 2017 12:00 AM
It is one of our goals to simplify the otherwise complex nature of the home buying process. We are thankful for the opportunity to work with you and hope you are enjoying your new home. -Mike
The best mortgage guy in the business. Good communication, very thorough, his support staff was very professional and extremely thorough. I would highly recommend and feel very good about it.
Reply from Owner
January 24th, 2017 12:00 AM
Wow, Thank You! My team is fantastic, and am thrilled we were able to provide you with a professional experience from start to finish. Have a great day! - Mike
Mike and his team were extremely tenacious when it came to heading up my loan. My situation was unique and timelines were extremely tight. They never missed a beat and closing went without a hitch! Very pleased with all aspects of working with...
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Reply from Owner
January 24th, 2017 12:00 AM
Thank you so much for the positive review! Even though we were on a tight timeline and encountered some, "unique" situations, you did a great job getting the team everything we needed, and for that we THANK YOU! Hope you are all moved in and...
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Very pleased with Mike and his team, they worked tirelessly to complete my loan and overcame all obstacles to get me to closing as quickly as possible. Due to my employment irregularities and issues with payroll department, it was a task to...
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Reply from Owner
January 24th, 2017 12:00 AM
So excited to hear you moved into the new space, and just in time for the holidays! It was our pleasure to help faciliate your home purchase needs and get you settled. Best of wishes from Team Tullio! -Mike
Mike cares deeply about his work and his clients. First class service and commitment. Our loan had some challenges due to the size and complexity and his knowledge of the industry was the difference for us getting this loan at a great rate....
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Reply from Owner
January 24th, 2017 12:00 AM
Sometimes you have to put in the OT! It was our pleasure to get you to the finish line and am so grateful for the review. Our client's best interests are always at the forefront of what we do here at Guaranteed Rate and Team Tullio. Again,...
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Mike made this EASY! Everything was done online with an easy to use process that was fast, and simple to follow. Their communication process was terrific too - with regular updates and a quick closing timeline.
Reply from Owner
January 24th, 2017 12:00 AM
It was awesome experience working with YOU! Hope all is well and you are having a blast in your new space! -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.