Super simple.
Lower rates. Dedicated
Mortgage experts.
Serving all 67 Florida counties. Competitive rates. Zero stress. Expert team ready for you — from pre-approval to closing day.
★ 5.0
Bankrate · 3,100+
★ 4.9
Trustpilot · 2,500+
★ 4.9
Zillow · 9,200+
★ 4.9
Google · 4,300+
★ 4.9
Experience · 28,800+
What We Offer
Whether you're buying, refinancing, or tapping equity — we've got the right loan for your
South Florida home.
Three paths.One trusted team.
Buy a home.
The process is simple. Get the home of your dreams without the hassle. From first-time buyers to luxury Coral Gables purchases.
Refinance.
Lower your payments and adjust loan terms. We'll find the right fit — and Free Re-Fi for Life means you'll never pay our fees again.
Get cash from your home.
Take cash out or get a HELOC to pay for whatever you need — renovations, debt consolidation, or major life goals.
Talk directly to our branch manager
Skip the call center.
Talk to a local.
Book a free 30-minute meeting with Bob Chamorro — 16 years of Florida mortgage expertise, zero runaround. Get real answers about your loan options, rates, and next steps from someone who actually lives and works in your market.
16 yrs
FL mortgage expertise
67
Florida counties served
How It Works
From application
to closing day.
A clear, simple path. No mystery, no surprises.
1
⏱ 10 minutes
Apply online or by phone
Fill out the short application from your phone, laptop, or call Bob directly. No-impact credit check. We'll know what you can borrow before the day is over.
2
⏱ Same day
Get your pre-approval letter
Real pre-approval — not just pre-qualification. You'll have a letter you can hand to your realtor and make confident offers with.
3
⏱ 7–14 days
Underwriting & appraisal
We move fast. Our underwriting team works your file in parallel with the appraisal so you never wait on us. You'll get weekly status updates from Bob.
4
⏱ 1 hour
Sign, fund, get the keys
Closing day. We work with title companies all over Miami-Dade and Broward. Bob will be on call to make sure nothing surprises you at the table.
Real Florida Clients
Don't just take our word.
50,000+ five-star reviews from Florida families who trusted us with the biggest financial decision of their lives.
★★★★★
"Bob and his team were extremely helpful, patient, and hardworking. I'm very thankful for their support and highly recommend his team."
Nicole M.
Deerfield Beach, FL · Purchase
★★★★★
"Walked us through the home buying experience and was available for all our many questions. He made sure we felt good before moving forward."
Frank R.
Davie, FL · First-time buyer
★★★★★
"Bob and Bremi helped us step by step and were very patient and professional. In such a frustrating process, this is the team you need."
Adrian F.
Fort Lauderdale, FL · FHA Loan
Questions, answered
-
Most clients are pre-approved within 10 minutes of starting the application. The credit check has no impact on your score, and you'll get a real pre-approval letter — not just a pre-qualification — to use with your realtor.
-
Pre-qualification is an estimate based on what you tell us. Pre-approval is a verified commitment from a lender based on actual financial documents. Sellers in South Florida almost always require pre-approval before considering an offer.
-
It depends on the loan type. Conventional loans typically need 620+, FHA loans go as low as 580, and VA loans have no official minimum (though most lenders prefer 580+). We have programs for nearly every credit situation.
-
Conventional loans start at 3% down. FHA loans require 3.5%. VA loans for eligible veterans require 0% down. Jumbo loans typically need 10–20% depending on the property. We'll walk you through every option.
-
We're based in Coral Gables but serve all 67 Florida counties. Lower is also licensed in 47 states total, so we can help with out-of-state purchases too.
-
A Lower-exclusive benefit: buy or refinance once with us, and you'll never pay Lower's lending fees on future refinances. That's typically $1,500+ saved every time you refi.
Backed by a Brand You Can Trust.
Lower Mortgage isn't a local startup, We're a nationally recognized lender with the reach of a big institution and the personal service of a local team. From naming rights on Lower.com Field to a national partnership with HomeSmart's 25,000+ agents, we bring serious firepower to your home purchase.
Resources & Insights
The latest from our blog.
Tips, market updates, and home loan know-how — written for Florida buyers.
First-time buyer
From property taxes to hurricane insurance, here's what no one tells you before your first offer.
5 min read · Apr 18, 2026
Market update
Where prices are heading, what inventory looks like, and the neighborhoods to watch this quarter.
7 min read · Apr 11, 2026
Market update
The math behind when a refi actually saves you money — and when it doesn't.
4 min read · Apr 3, 2026
Get In Touch
Let's get you pre-approved.
Fill out the form or visit our Coral Gables office. Bob personally reviews every application.
2000 Ponce de Leon Blvd Suite 509E
Coral Gables, FL 33134
Office
Cell
Replies within 1 business hour
Start your pre-approval
Takes 60 seconds. No-impact credit check. We'll call you back.
Ready when you are.
Pre-approved in 10 minutes. No-impact credit check. No commitment. Just real, local mortgage expertise.