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
The Holsman Team Crushed it again.
Fred was amazing to work with! He made the process easy and was always available. I will definitely him to others in the future!
Fred and his team was fantastic. Adapted to some changing conditions and was extremely fast on our loan. Would highly recommend and use again!
Fred is a great communicator who knows his business, how to talk with and educate his clients. Fred made it easy for us and we really appreciate his service.
Fred was professional in every way; responsive to both my clients and me, and he had the loan approved and ready to go before the due date. Thanks Fred!
Fred moved very quickly on our loan and communication was very good. I will definitely use him for future loans.
Fred is a great communicator and he always answers his phone or calls you right back.
Fred was fabulous. one of the fastest no issue transactions I have had in years. HIGHLY RECOMMEND
Fred is super personable and his insights ended up getting us a lower rate. I'd recommend him to any of our friends looking to buy a house.
Super accessible/communicative
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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.