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(Open now)
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Reviews from Web
Getting a better rate without having to shop around, it was clear that it could have been done. The loan approval was moved unnecessarily causing stress.
Bob and team has been nothing short of amazing. Was always willing to answer my multitu of questions during this firat first time home process that could be so scary. I truly appreciated his patience and understanding
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Reply from Owner
November 17th, 2025 02:59 PM
Really appreciate this, Kevin!
Bob and team has been nothing short of amazing. Was always willing to answer my multitu of questions during this firat first time home process that could be so scary. I truly appreciated his patience and understanding
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Reply from Bob Chamorro
November 17th, 2025 02:58 PM
Thank you, Kevin! Happy we could make your first-time buying experience feel supported and less intimidating.
Very professional staff and helpful with every step of our mortgage.
Reply from Owner
November 17th, 2025 02:58 PM
Thank you Karen!
Bob and his team were very responsive to our concerns. Everything was carefully explained and he was able to make this a stress-free experience.
Reply from Bob Chamorro
November 17th, 2025 02:57 PM
Appreciate it, Karen! Happy we delivered a smooth, responsive experience!
Bob Chamorro - Lower Mortgage has received a review with 5 star rating from Adolfo P
Reply from Owner
October 27th, 2025 06:19 PM
I appreciate your positive rating, Adolfo!
Bob and his team are professional yet friendly and will bend over backwards for you can't say enough I'm definitely repeating my business with them.
And recommend them to anyone that asks about financing
Reply from Bob Chamorro
October 27th, 2025 06:21 PM
Thank you, Adolfo! It’s rewarding to know that my team and I made a positive impression!!
Too stressful . I've had 3 mortgages over 30+ years and never asked the ridiculous questions about my motivation for buying a new property. Additionally, Going back 15 years to question a loan modification was totally unnecessary.
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Reply from Bob Chamorro
October 29th, 2025 06:29 PM
Carolyn, thank you for sharing your feedback. I’m sorry if the process felt more complex than expected. I understand how revisiting past financial details can be frustrating. I’d be glad to discuss how we can better support your needs, please...
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Claridad en la información y el acompañamiento durante todo el proceso muy profesionales.
Reply from Bob Chamorro
October 27th, 2025 11:39 PM
Gracias por compartir tu experiencia, Carlos!!
Bob y su equipo demostro un amplio conocimiento en el proceso de credito con un lenguaje claro mostraron buena disposición y organización con comunicacion constante por correo y llamadas los terminos fueron presentados con total transparencia...
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Reply from Bob Chamorro
September 30th, 2025 05:23 PM
Gracias por sus palabras, Raquel. Me alegra que haya encontrado útil nuestro enfoque transparente y nuestra comunicación constante durante su proceso de crédito. Es un placer para mí y mi equipo brindar esta experiencia. Si tiene alguna otra...
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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.