Fred Holsman #399150
Senior Loan Officer | NMLS# 399150
At Lower, LLC we understand the importance of home financing. We have the knowledge and experience you can count on to deliver a simple and hassle-free lending experience. Whether you are buying your first home, refinancing or moving up, L... Show More
Location & Business Hours
Business Hours
Wed
9 AM to 5:08 PM
Thu
9 AM to 5:08 PM
Fri
9 AM to 5:08 PM(Open now)
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Reviews from Web
Fred was very knowledgeable and timely
Fred responded quickly during our loan process and provided excellent assistance when needed. He worked closely with our realtor and provided recommendation(s) regarding the type of loans that worked best to complete both our home sale and...
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Reply from Fred Holsman
October 5th, 2026 03:42 PM
Shawn, I'm pleased to hear that I could provide you with quick responses and helpful assistance throughout your loan process. Working closely with your realtor and offering loan recommendations to support your home sale and purchase was my...
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Fred was extremely easy to communicate with and fast at providing explanation and answers to my questions . He made the process so easy and I am looking forward to working with him in the future
Reply from Fred Holsman
September 28th, 2026 04:42 PM
Kara, I'm glad to know that I made the process easy for you and was able to provide clear and quick answers to your questions. I appreciate your kind words and look forward to assisting you again in the future with Lower.
Fred answered all our questions and concerns , no matter the time or day.
Reply from Fred Holsman
September 28th, 2026 03:36 PM
Breanna, I'm glad I could address all your questions and concerns at any time. It's important to me that you felt supported throughout your experience with Lower.
Amazing would call again for my next house whenever that is!
Reply from Fred Holsman
September 25th, 2026 03:42 PM
Ryan, I'm pleased to hear that you had such a positive experience and would consider working with me again for your next home. Thank you for choosing Lower and allowing me to assist you.
Fred was super quick to answer any questions we had and was very good at keeping us updated throughout the process.
Reply from Fred Holsman
September 24th, 2026 04:45 PM
William, I'm grateful for your feedback and happy that I could keep you informed and quickly address your questions. It was a pleasure to assist you with Lower.
Fred goes above and beyond!!!! Thank you Fred for making my families dreams come true!!!!
Reply from Fred Holsman
September 23rd, 2026 02:32 PM
Karen, I'm pleased to know that I could help make your family's dreams a reality. Thank you for your kind words and for choosing to work with me and Lower.
Fred was the absolute best! He made our experience purchasing our first home a breeze. He communicated every milestone, was always available for questions, informed us on the process and made us feel very secur. I look forward to working with...
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Reply from Fred Holsman
September 23rd, 2026 01:14 PM
Kylie, I'm glad to hear that your first home-buying experience went smoothly and that I could help make you feel secure throughout the process. It's great to know that my communication and availability made a positive impact. Thank you for...
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Fred was knowledgeable, worked hard to find a loan for us, and was very pleasant.
Reply from Fred Holsman
September 23rd, 2026 08:22 PM
Roberta, I'm happy to hear that you found my assistance both knowledgeable and pleasant. It's rewarding to know that my efforts with Lower helped you find the right loan. Thank you for your kind words!
All my questions were always answered right away, no matter what time I asked them. I really appreciated that!
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About
At Lower, LLC we understand the importance of home financing. We have the knowledge and experience you can count on to deliver a simple and hassle-free lending experience. Whether you are buying your first home, refinancing or moving up, Lower, LLC offers a wide variety of mortgage products suited to fit the needs of our clients. With our industry-leading customer service, we’re sure to find the home financing that is right for you.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Mortgage Refinance
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Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS# 399150
Disclaimer
© 2026 Lower, LLC | NMLS ID# 1124061 | 5950 Symphony Woods Road Suite 312 Columbia, MD 21044 | Equal Housing Opportunity | https://nmlsconsumeraccess.org/ | Not an offer of credit or commitment to make a loan; all approvals are subject to underwriting guidelines including but not limited to acceptable current credit worthiness, income history, debt ratio, etc. Loan programs & options are subject to change at any time. Rates will vary depending on your loan term, loan type, credit profile, down payment, and qualifying ratios. Rates can change daily. Some restrictions may apply. Lower conducts business in 47 states for licensing information please visit - https://www.lower.com/legal/license-information.