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Coral Gables, FL  ·  Licensed in 47 states

Big lender firepower.
One local expert.

Skip the call center. Bob Chamorro and the Coral Gables team pair Lower’s national rates and technology with a mortgage process you can actually reach by phone.

Get pre-approved
Book a 30-min call

No-impact credit check. Real pre-approval in about 10 minutes.

5.0 ★Bankrate · 3,100+
4.9 ★Trustpilot · 2,600+
4.9 ★Zillow · 9,600+
4.9 ★Google · 4,300+

Payment preview
Live estimate
$525,000

10%

30 yrs

Estimated monthly payment
$2,714/mo
Principal & interest only. Excludes taxes, insurance, and HOA — your real number will run higher.

Sample rate: 6.375%
Not a quote or offer

Get my real rate from Bob →

What we offer

Three paths. One trusted team.

Whether you’re buying, refinancing, or unlocking equity, the Coral Gables branch builds the loan around your South Florida property, not the other way around.

01 / Buy

Buy a home.

From first-time buyers to luxury Coral Gables purchases, get a real pre-approval letter you can hand your realtor the same day.

See if I qualify

02 / Refinance

Refinance.

Lower your rate or adjust your term. Free Re-Fi for Life means once you’re a client, you never pay our lending fees again.

Lower my payment

03 / Equity

Get cash from your home.

Tap a cash-out refi or HELOC for renovations, debt consolidation, or your next move. We map the tradeoffs before you commit.

Explore equity options

Talk to a local

Skip the call center.
Talk to a local.

Book a free 30-minute call with Bob Chamorro, a Florida mortgage veteran with 16 years in the market, for real answers on rates, timelines, and next steps.

16
Years in Florida mortgage
67
Counties served statewide
Get pre-approved

How it works

From application to keys in hand.

A straightforward four-step process, with a real person keeping you updated at every stage — not a status bar you have to guess at.

01

Apply in minutes

Answer a few questions online or on a call with Bob — no stacks of paperwork upfront.

02

Get pre-approved

A real, underwriter-reviewed pre-approval letter, usually the same day, with a soft credit pull.

03

Lock your rate

Shop with confidence, then lock in your rate once you’re under contract on a property.

04

Close in 30 days

Our team handles underwriting and coordination so you can close on schedule, stress-free.

Who you’ll work with

Meet the Coral Gables team.

Four local specialists, one point of contact — Bob and the team stay with you from first call to closing day.

Bob Chamorro

Branch Manager

Bremilee Berrios

Loan Processor

Jorge Betancourt

Loan Officer

Haleigh Bargamian

Loan Officer Assistant

Reviews

What South Florida homeowners say.

★★★★★

“Bob walked us through every step and actually answered his phone on weekends. Closed in under a month on our Coral Gables condo.”

Maria S.Google · Verified

★★★★★

“Refinanced with the team and saved over $300/month. The Re-Fi for Life fee waiver made the second round even easier.”

Daniel R.Zillow · Verified

★★★★★

“First-time buyer here — they explained every line item and got us pre-approved same day. Highly recommend this branch.”

Ana P.Trustpilot · Verified

Questions

Frequently asked.

How fast can I get pre-approved?

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Most clients get a real, underwriter-reviewed pre-approval letter within 10 minutes of a soft credit pull — no impact to your score.

Do you serve all of Florida?

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Yes — the Coral Gables branch is licensed to lend across all 67 Florida counties, and Lower is licensed in 47 states nationwide.

What is Re-Fi for Life?

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Once you close a loan with Lower, future refinances waive our standard lending fees for the life of the loan.

Ready when you are.

Pre-approved in about 10 minutes. No-impact credit check. No commitment, just real, local mortgage expertise.

Get pre-approved
Call (305) 987-8726

Or send a quick message


We’ll reach out within 24 hours, usually much sooner.

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