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.

📁 Programs (keep these 3, update answers)

Q: Do you have any grants available to help with down payment assistance?

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.

Q: Can we schedule an in-person meeting with your team?

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. Click Book a Call to speak directly with our Branch Manager, Bob Chamorro.

Q: As a realtor, can I partner with you to help my clients looking to buy a home?

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.

➕ Add a 3rd category: "Working With Us" (3 new questions)

Q: Who will I be working with when I apply?

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.

Q: What states do you lend in?

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.

Q: How do I get started?

Three easy ways — apply online at the 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.

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. Click Book a Call 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 at the 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.