Everything you need to know about working with the Coral Gables branch — from speed to close, to down payment assistance, to who actually picks up the phone.
We close most loans in 30 days or less — and in many cases significantly faster. Our Almost Home program lets us issue a full loan commitment before you even find a house, which can cut closing time dramatically once you’re under contract.
Yes. We offer up to $10,000 in down payment assistance for qualified first-time buyers, FHA loans with as little as 3.5% down, and our 2/1 Buydown Program that lowers your interest rate for the first two years at no cost to you. Book a free call with Bob to find out which one fits your situation.
Absolutely — and we actually recommend it. Through our Almost Home program, you can skip the traditional pre-approval and get a full loan commitment before you start shopping. This means you know your exact budget and can make offers with the confidence of a cash buyer.
Yes — two options. First-time buyers can receive up to $10,000 through our First-Time Buyer Program. Eligible frontline workers — including teachers, nurses, first responders, and military — can receive up to $35,000 through Florida’s Hometown Heroes Program at 0% interest with no monthly payments.
Yes. We’re located at 2000 Ponce de Leon Blvd., Suite 509E in Coral Gables. You can also meet virtually or by phone — whatever works best for you. Reach out to speak directly with our Branch Manager, Bob Chamorro.
We’d love that. We work closely with realtors across all 67 Florida counties and offer tools like our Almost Home pre-commitment letter that makes your clients’ offers stand out. Reach out to Bob directly at bchamorro@lower.com to discuss a referral partnership.
You’ll work directly with our Branch Manager, Bob Chamorro (NMLS #282888), and his team. No call centers, no being passed around — just a dedicated expert who knows your file and answers your calls.
We serve buyers across all 67 Florida counties. Through Lower.com’s national platform, we also have access to lending in 47 states. Contact us to confirm availability in your specific area.
Three easy ways — apply online on our Apply page, book a free 15-minute call with Bob, or email us at bchamorro@lower.com. No commitment, no hard credit pull to get started.
Get pre-approved in about 10 minutes, or reach out and Bob’s team will answer directly — no call centers, no scripts.