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
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9 AM to 5:08 PM
Fri
9 AM to 5:08 PM
Sat
closed
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Reviews from Web
Amazing would call again for my next house whenever that is!
Fred was super quick to answer any questions we had and was very good at keeping us updated throughout the process.
Fred goes above and beyond!!!! Thank you Fred for making my families dreams come true!!!!
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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Fred was knowledgeable, worked hard to find a loan for us, and was very pleasant.
All my questions were always answered right away, no matter what time I asked them. I really appreciated that!
Fred was an absolute 10/10 throughout our entire home-buying experience. My wife and I were first-time home buyers, and he made what could have been a confusing and stressful process feel simple and easy to understand. He always explained things...
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Reply from Fred Holsman
September 8th, 2026 08:56 PM
Bradley, I'm grateful for your kind words and pleased to hear that I could assist you and your wife as first-time homebuyers. It's good to know that my explanations and support made the process easier for you. Thank you for recommending me,...
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Fred was outstanding to work with for me and my husband! As being first time homebuyers, Fred took the time with us to explain everything and make sure we were well taken care of he was OUTSTANDING! We are very grateful for all his hard work...
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Reply from Fred Holsman
September 4th, 2026 01:30 PM
Ashlyn, I'm happy to hear that you and your husband had a positive experience as first-time homebuyers. I appreciate your kind words and am glad I could assist in making the process clear and supportive for you both. If you ever need further...
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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.
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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
Mountain Standard Time (MST)
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.