Fred Holsman #399150
Senior Loan Officer
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
Thu
9 AM to 5 PM
Fri
9 AM to 5 PM
Sat
closed
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Reviews from Web
Very quick and communicative. Painless process. Very aware and sensitive to our needs during the process.
Fred was there every step of the way. Great communication. Keep up the good work.
Reply from Fred Holsman
July 24th, 2026 07:57 PM
Joseph, I appreciate your kind words about my communication and support throughout the process. I'm glad to have been there for you every step of the way. If there's anything else you need, please don't hesitate to reach out.
Very kind thorough and respectful
Reply from Fred Holsman
July 24th, 2026 03:08 PM
Aunica, I'm grateful for your kind words and for acknowledging my thoroughness and respectfulness. If there's anything else I can do for you, please let me know.
Fast at his work, very knowledgeable, and overall nice to talk
Reply from Fred Holsman
July 20th, 2026 01:04 PM
Tyler, I'm glad to hear that you found my work fast and knowledgeable. It's nice to know that our conversations were enjoyable for you. If there's anything more I can assist you with, please let me know.
I went to other lenders to get approved and almost gave up because they couldn't approve me.i was reccomended to Fred by a friend, Fred approved me right away and he helped me purchased my new home .Thanks Fred
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Reply from Fred Holsman
July 13th, 2026 05:34 PM
Erik, I'm pleased to hear that I could assist you in securing approval and help you purchase your new home. Your friend's recommendation means a lot, and I'm grateful for the opportunity to work with you. If you need anything else moving forward,...
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GREAT thank you
Reply from Fred Holsman
July 10th, 2026 01:24 PM
Sean, thank you for the kind words. I'm pleased to know you had a positive experience. If there's anything else I can assist with, feel free to reach out.
Easy process,great communication!
when I had a question he was readily available to answer it and explain things to me in a clear manner. Very pleased with the entire process!
Reply from Fred Holsman
July 10th, 2026 01:36 PM
Cheri-Mae, I appreciate your positive feedback and am glad to hear that you found the process easy and communication effective. It's great to know that my availability and explanations were helpful to you. If you have any further questions...
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Great communication . Fred is definitely on his game and we were so lucky we were able to work with him .
Reply from Fred Holsman
July 10th, 2026 02:34 PM
Bernice, I appreciate your kind words about my communication and am happy to hear that you felt fortunate working with me. It's great to know that I could contribute positively to your experience. If you ever need further assistance, please...
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was very personable professional made home buying experience seamless
Reply from Fred Holsman
July 8th, 2026 03:44 PM
Andrew, I'm grateful for your feedback and pleased to hear that you found the home-buying experience seamless. It's good to know that my personable and professional approach made a positive impact. If there's anything else you need, please...
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Working with Fred to buy my first house was an absolute pleasure. Fred made a complex process feel incredibly smooth and stress-free. Every question I had was answered immediately, and he kept me updated at every single step. His professionalism...
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Reply from Fred Holsman
July 6th, 2026 07:03 PM
John, I'm grateful for your kind words and pleased to hear that your first home-buying experience went smoothly. It's good to know that my communication and dedication made a positive impact. Thank you for recommending me, and if you need any...
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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.