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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Mike is my first call when looking for a mortgage. I wouldn't think of using anyone else!
Mike and his team have streamlined the painful process into a smooth, well oiled machine. My family and I have used him to re-finance 2 mortgages. Not only did we get an excellent quote, but both transactions were very simple. His team is excellent...
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Mike and his team were amazing. Made the process so easy, low stress, and incredibly professional. Would recommend to anyone.
Kind, professional & efficient team. The process was smooth and streamlined. Responsive teamwork allowed for aquick closing. Definitely would recommend and will obtain services in my next real estate finance needs.
Everyone was wonderful to work with. They were extremely professional and made the process easy. I highly recommend them.
Mike was excellent in the way he handled my refinancing. He has a calm and positive demeanor and that is an asset when dealing with a mortgage that can be so confusing and nerve-wrecking for a client. His honesty is commendable.
The support and communication were outstanding. Mike made the process seamless.
This was a simple, straightforward process - much different than past experiences with other lenders/brokers. Electronic uploads of relevant documents only and prompt response time. I would absolutely recommend Mike Tullio and his team.
As a Realtor, I refer Mike and his team to all my clients that need a mortgage. Mike has the experience and the know how to get it closed quickly, efficiently and with out the constant need for more info. Mike and his team are The Best in the...
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We recently purchased a home in Florida while living in another state, a dream we had been working towards. Our realtor initially connected us with Mike. Mike and his entire team at Cross Country Mortgage helped us make that dream a reality....
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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.