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
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Business Hours
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9 AM to 5:08 PM
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closed
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closed
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Reviews from Web
Fred worked hard to get us to closing. He communicated with everyone often and kept us informed throughout.
Fred is great to work with, he always keeps me in the loop and knows how to work around any problem that comes up. I highly recommend Fred and Bay Equity.
Just a note to praise Lender Fred Holsman for his outstanding home loan experience for my excited clients who "right-sized" into a gorgeous townhome from their long-time cherished family home! From start to finish, the process was smooth, transparent...
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Everthing is Awesome
Fred was so dedicated to me the right numbers for my budget. He was also so paturnt with my busy and hectic schedul.
Fast communication, creative solutions
Fred and his team made the process feel seamless. We knew what was expected of us and that his team would take care of the rest. They are very friendly and easy to communicate with.
Fred is always an absolute pleasure to work with and always does a fantastic job communicating with everyone and always closes on time or early.
We are doing a bridge loan—something we have never done. Fred has been the best about explaining the details and keeping us updated. I highly recommend Fred and Bay Equity.
Fred is so responsive and efficient. Also very helpful when glitches arise. It is our third time using Fred as our mortgage lender. I'm sure we'll be back and will refer clients whenever the opportunity arises!
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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.