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
Sat
closed
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closed
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Reviews from Web
Fred is always my go to lender!!!! Awsome service is his only standard. I'm always able to count on Fred for honest and consistent service. THANK YOU Fred.
Fred was always available when needed. He was great throught the entire process.
Very helpful, kept us uptodate, honest advice
Fred was super efficient and a great communicator throughout our transaction. I look forward to working together again. Highly recommend.
He was always available and responded quickly with answers to our questions
Communicated with us on the whole process with scheduling and found various options to make our payments more affordable, as well as finding one of the best rate options on our home.
great communication
friendly
easy to work with
Always available, great communication, and a very nice guy.
Not haviing purchased real estate in 30 years we had many questions and concerns. Fred walked us through 2 home offers AND 1 purchase with patience care and expert knowledge We have been more than pleased with every aspect of our work together...
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Fred was outstanding! He maintained excellent communication with all parties involved in the transaction.
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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.