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 PM(Open now)
Thu
9 AM to 5 PM
Fri
9 AM to 5 PM
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Reviews from Web
Fred is very knowledgable. We appreciated that he was always available to answer our questions.
You need to increase your market manipulation capabilities so we could get a lower rate! Just kidding.... appreciated your easy access and that you did not ask for a bunch of additional info/data from us that you did not really need.
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Reply from Fred Holsman
October 30th, 2026 02:31 PM
Mack, I'm happy to hear that you appreciated the easy access and straightforward process. At Lower, I always strive to make things as smooth and efficient as possible for my clients.
Very quick and communicative
Fred was very communicative and great to work with.
Reply from Fred Holsman
October 28th, 2026 03:38 PM
Sean, I'm pleased to hear that you found my communication effective and enjoyed working with me. At Lower, it's important to ensure a positive experience for our clients.
When no one else would help us out with a loan, Fred found a way to help us out and get us into our new home and we are forever grateful for that. Fred was always quick to answer his phone and be there for us whenever we had any questions or...
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Reply from Fred Holsman
October 26th, 2026 05:45 PM
Michael, I'm truly grateful for your kind words and am pleased to know I could assist you in securing your new home. It’s important to me that my clients feel supported and confident throughout the process, and I'm glad that my team at Lower...
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Great service!
Reply from Fred Holsman
October 20th, 2026 02:31 PM
Stephen, I'm glad you found the service great! At Lower, providing a positive experience is important, and I'm pleased I could assist you effectively.
Fred was very knowledgeable and timely
Reply from Fred Holsman
October 12th, 2026 07:52 PM
Dana, I'm happy to hear that you found my knowledge and timely assistance helpful. At Lower, we aim to ensure a smooth experience, and I'm glad I could provide that for you.
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.
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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.