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
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Business Hours
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9 AM to 5 PM
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closed
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closed
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Reviews from Web
Fred was an excellent communicator. He kept us informed and helped with any question or issue that faced us promptly with a kindness and understanding.
Reply from Fred Holsman
August 18th, 2026 02:31 PM
Stanley, thank you for your kind words. I'm pleased to hear that my communication and support were helpful to you. If you have any more questions or need further assistance, please feel free to reach out.
Great customer
Reply from Fred Holsman
August 17th, 2026 03:19 PM
Rodney, I appreciate your positive feedback. I'm pleased to know you had a good experience.
The help and good communication
Fred walked me through so many obstacles I had to work through and made me feel heard. He always reaches out and is very kind and helpful when needed. Thank you for everything!
Reply from Fred Holsman
August 6th, 2026 06:15 PM
Jettie, I'm grateful for your kind words. I'm pleased to know that I could help you navigate through obstacles and make you feel heard. If there's anything else you need, I'm here to assist.
Fred is a true professional and very helpful. He is very responsive and made the process easy.
Reply from Fred Holsman
August 5th, 2026 02:06 PM
John, I appreciate your kind words and am glad to know you found the process easy. Your feedback on my responsiveness and professionalism means a lot to me. If there's anything more I can assist you with, please feel free to reach out.
Fred was very quick to answer all our questions and communicate next steps.
Reply from Fred Holsman
August 3rd, 2026 03:31 PM
Anna, I'm glad to hear that you felt I was quick to answer your questions and communicate next steps. If there's anything more you need, please feel free to reach out.
Very quick and communicative. Painless process. Very aware and sensitive to our needs during the process.
Reply from Fred Holsman
July 31st, 2026 04:42 PM
Jeffrey, I'm pleased to hear that you found the process quick and communicative. It's important to me to be aware and sensitive to your needs. If you need any further assistance, feel free to reach out.
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.
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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.