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
Mr Tulio walked my family through every step of the process and ensured that there were no surprises or unanticipated bumps as we moved ahead with our home purchase. The process was easy, relaxed and very comfortable. I would recommend Mr Tulio...
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Mike does a great job steering people through the process. He gives your account his full focus and attention and provides real value throughout. We've used Mike's services multiple times, and will use them again if and when the time comes...
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Several years ago Mike met with me and helped me get prepared to purchase a home for my family. The initial meeting took place 2 to 3 years before the transaction and Mike was there the whole time advising on ways to get things in order. Post...
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Mike was a professional in every aspect of this loan process. I actually was in the process with another loan company for a house and they couldn't make it go through, after finding mike he restarted the process and guided me through the loops...
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Mike Tullio is great. He arranged a VA mortgage for me. It was not an option that I had thought about previously and it worked out very well. Mike and his office were very patient with me, especially when I kept complaining about how much information...
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Mike made the often dreadful process of obtaining a mortgage painless and easy. He returned all calls and emails promptly. He took such great care of me that I have since referred clients of mine to him and they too had a great experience and...
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I used Michael Tullio Guaranteed Rate to finance my home. I had previously had two mortageges and went through the loan process twice. This was the best experience. It was a seamless process and I would highly recommend using them. I contacted...
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Mike and his team were excellent and we could not be more pleased with our new loan and the service we received! Mike was ready and available every time I called him with a question and his answers were always thorough. We would highly recommend...
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Mike helped us obtain financing when we bought our first house in Florida in 2011. He has stayed in touch since with emails and updates and just recently financed an investment property for us. He goes above and beyond when it comes to his...
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Mike was easy to communicate with, if I had any questions he would answer them promptly. He including his staff are genuine and honest. My whole process went smooth with no headaches. I appreciate all the work MIke did for me.
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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.