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
Tues
9 AM to 5 PM
Wed
9 AM to 5 PM
Thu
9 AM to 5 PM
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Reviews from Web
Fast way of communicating & response times.
As first time home buyers, my husband and I new next to nothing about the ins and outs of purchasing a home and working with a lender. We talked to a few different lenders before deciding to work with Fred and Lower Mortgage and we couldn't...
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Reply from Fred Holsman
June 10th, 2026 04:12 PM
Caitlyn, I'm pleased to hear that you and your husband had a positive experience as first-time home buyers. I'm grateful for the opportunity to assist you and make the process stress-free and straightforward. If you have any more questions...
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As ususl , works hard to get us the best rates, works fast and efficient.
Reply from Fred Holsman
June 8th, 2026 08:36 PM
Ismael, I'm thankful for your feedback and glad to hear that my efforts to secure the best rates and work efficiently met your expectations. If there's anything else I can assist with, please let me know.
This was our fifth mortgage transaction and first construction loan. Fred was, by far, the best loan pfficer officer we have ever dealt with. Fred was knowledgeable, accessible, positive, and solution driven. I would highly recommend him to...
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Reply from Fred Holsman
May 25th, 2026 08:00 PM
Chad, I'm grateful for your kind words and recommendation. It’s appreciated to hear that I could provide you with a positive and solution-driven experience on your first construction loan. If you ever need assistance again, please don't hesitate...
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Fred clearly explained the loan options for our specific situation and understood exactly what we were trying to accomplish. His communication was fast and responsive throughout the process. He worked hard to ensure our loan closed nearly two...
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Reply from Fred Holsman
May 18th, 2026 02:30 PM
Jessica, I'm pleased to know that my efforts to explain the loan options and facilitate a fast closing were helpful for your project. If you have any further questions or need assistance, please feel free to reach out.
Fred is knowledgeable fast and great to communicate
Reply from Fred Holsman
May 14th, 2026 03:26 PM
James, I appreciate your kind words and am glad to know you found my communication effective. If you have any more questions or need assistance, please feel free to reach out.
Fred made the experience very smooth the whole way.
Reply from Fred Holsman
May 13th, 2026 01:52 PM
Edward, I'm glad to know that I could help make the experience smooth for you. If there's anything else you need or any questions arise, please feel free to reach out.
Fred was always available to answer questions and made our home buying process as easy and accommodating as possible.
Reply from Fred Holsman
May 11th, 2026 04:41 PM
Kane, I'm grateful to hear that I could help make your home buying process easy and accommodating. If you have any more questions or need further assistance in the future, feel free to reach out.
Communications were prompt and clear. Fred answered all questions and was a pleasure to do business with!
Reply from Fred Holsman
May 11th, 2026 01:14 PM
Tamra, I'm pleased that you found my communication prompt and clear. It was a pleasure doing business with you as well. If you have any further questions or need assistance, feel free to reach out.
Fred always responded quickly and thoroughly to any questions that I had. The whole process was smooth. This was the second time we worked with Fred and I would highly recommend him and his team.
Reply from Fred Holsman
May 6th, 2026 01:52 PM
Cindy, I'm pleased to hear that the process went smoothly and that my responsiveness met your expectations. It's appreciated to have had the opportunity to work with you again. Thank you for your recommendation, and if you ever need further...
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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.