

Lower Mortgage , Miami, FL
Miami, FL

At Lower 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 ... Show More
Location & Business Hours
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
Fernando was guiding me and consulting me every step of the way. Something needed from a first time home buyer.
Referente al proceso totalmente satisfactorio, posee las habilidades y herramientas disponibles para la efectividad y desempeño, transparencia y magnifica comunicación permitiendo viabilizar dicho proceso con excelencia. Gracias por su profesionalismo...
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Bob Chamorro always answered our phone calls even if it was after hours. The customer service that he provided was outstanding. Always answered our questions and emails right away.
It was a pleasure working with Bob.
Bob goes above and beyond to help the customers Achieve their goals, extremely professional and thrust worthy.
I am very pleased with the excellent knowledge, expertise & communication skills of Fernando throughout the entire process. I especially appreciate how he made himself available anytime we needed to consult something and made sure everything...
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Very attentive and thorough.
Fernando is very knowledgeable and be on time and responsive. Very prompt. Hard to find people like Fernando in this profession. I would love to work with him in the future
Jose Thomas CPA
Very knowledgeable, professional, and experienced individual. I would recommend Bob Chamorro and will return in the future if the opportunity irises.
Best refinancing experience I have ever had! Bob is excellent to work with. He is very knowledgeable and experienced, knows the market very well, has good resources, explains things in detail, is fast, and on top of everything. I highly recommend...
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Bob was amazing from the get go. He made sure we understood the whole process and explain everything step by step. Thank you very much you are the best!
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About
At Lower 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 offers a wide variety of mortgage products suited to fit the needs of our clients. With our industry leading customer service, we are 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
Time Zone
Eastern Standard Time (EST)
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.