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 5:08 PM
Thu
9 AM to 5:08 PM
Fri
9 AM to 5:08 PM
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Reviews from Web
I had a great experience working with Fred and his team to secure our HELOC. From start to finish he was knowledgeable and responsive and his team made the entire process smooth and stress-free. Fred took the time to explain everything clearly...
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Fred worked with us to make sure the loan went through and didn't unravel at the end. His expert knowledge helped to make us feel secure and make the best decisions. He kept us in constant communication and even gave us reminders when I forgot...
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Fred had prompt communication and his extensive knowledge helped us get a loan that two other companies could not do. Greatful for the excellent service and would absolutely recommend to friends and family
Excellent Job
Fred was amazing to work with. He was always always available for questions and proactive in his communication. He clearly explained the process and held our hands through the whole somewhat scary process. We will be recommending him to everyone....
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Fred was so incredibly responsive. He worked hard to find a loan that would work for our situation. We will 100% use Fred again if we buy another home!
Very knowledgeable and easy to get into contact with.
Fred was a tremendous assest for me in my realestate transactions and was available for phones calls daily.
Very responsive and attentive. It was helpful when I was busy and needed some nudging. He was comfortable talking on the phone, texting and email, which ws convenient.
Fred worked exceptionally hard at putting a loan together for me. His communication with me was excellent and his work ethic second to none other.
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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.