Michael Graffeo, photo from Lower

Michael Graffeo

MLO at Lower · Delray Beach, FL

NMLS ID 900192 (opens in a new tab) · verify at NMLS Consumer Access

Michael Graffeo (NMLS 900192) is MLO at Lower, based in Delray Beach, FL. Licensed in Florida, confirmed with the state regulator (license LO40671). Licensed since 2017 (per Florida records).

Last verified . Sources: Lower (lower.com), Florida state regulator and NMLS Consumer Access (license status, check live).

Specialties

None listed on the lender page yet.

    Evidence levels, strongest first: production data, lender page, self-reported.

    Languages

    Not listed

    Licensed states

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    Florida

    ✓ Confirmed with the state regulator: FL (opens in a new tab) (LO40671, since 2017), verified 2026-10-09.

    Contact

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    Employment history

    1. Lower NMLS 1124061

      Current · Delray Beach, FL · seen on lender site 2026-10-10

    Disciplinary history

    Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access (opens in a new tab).

    About

    Michael Graffeo serves homebuyers and homeowners across South Florida, including Delray Beach, Boca Raton and West Palm Beach.

    Our summary of the lender page. Verified 2026-10-10.

    Serves
    Delray Beach, Boca Raton, West Palm Beach and surrounding communities
    Source (opens in a new tab), verified 2026-10-10

    Sources

    Name and employerlender site · lower.com (opens in a new tab)verified 2026-10-10
    Licenses (regulator)state regulator · real.flofr.com (opens in a new tab)verified 2026-10-09
    Summarylender site · lower.com (opens in a new tab)verified 2026-10-10
    Contactlender site · lower.com (opens in a new tab)verified 2026-10-10
    Photolender site · lower.com (opens in a new tab)verified 2026-10-10
    License statusNMLS Consumer Access (opens in a new tab)check live

    Also available as Markdown, JSON, or via the API.

    Cite as: Michael Graffeo (NMLS 900192), Lower. LenDb.ai, https://lendb.ai/lo/michael-graffeo-900192, last verified 2026-10-10.

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