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
View All days
Search Reviews
Search
Write a Review
Overall Ratings
Filter by Date
Range
Filter by Rating
Reviews from Web
My client recently said at closing "Fred was the BEST lender I ever worked with. He made everything so easy and seamless, there was no stress and he always answered my calls and explained my questions perfectly. If I ever have to buy another...
read more
Fred. I felt like I was his only client.
Fred made the process so easy! He was extremely helpful throughout the entire process! fred answered my calls any time of the day and even on weekends! I raye my experience a 10 and will recommend anyone looking for a home loan to call Fred...
read more
Knocked it out of the park as always! Thank you Fred!!
Fred is knowledgeable in his field and a great communicator. He and his team made my home buying process rather easy.
Fred went above and beyond to make our condo a reality
Everything went smoothly from start to finish. Fred was always available to answer questions and quick to communicate and respond.
I was a bit concerned purchasing a home from out of state but Fred made me feel comfortable. He addressed every one of my questions and concerns. With his support, knowledge, and guidance the transaction went beautifully!
Fred answered all my questions easily. He stayed on top of the rates to lock with the best possible rate at the time. He always took my calls or called me back in a timely manner. Fred was always pleasant in our interactions. I would definitely...
read more
He always answered questions quickly and never seemed bothered or to busy to help us. I know some of the questions were probably repetitive, but he was always patient and kind.
101–110 of 205
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
Search Rank ScoreLearn More →
What is the Search Rank Score®?
Experience.com’s Search Rank Score measures a professional’s online search visibility across hundreds of key SEO attributes.
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.