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
Fred and team were a pleasure to work with during the home buying process. Their prompt communication, attention to detail, and strategic partnership made the entire experience seamless.
Fred, Always avaiable- listens and immediatly reaches out to customers. Great assest on my team!
Fred was great and my client felt like he card. When I have a clientI will use Fred
Fred was able to heavily negotiate on my behalf to the point that I was chosen by the seller amongst many other bidders.
I would have to say, I didn't have an ulcer when we got to closing. :) This was the absolutely the best home buying experience I have ever had!!! Bar none. Definitely would recommend Fred and his team at Bay Equity!!! Everyone was always on...
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Best Bay Equity Team! Responsive, knowledgeable and wonderful to work with. My clients absolutely love them!!
Fred made the loan process easy. He kept us updated on documents to get submitted without feeling overwhelmed. He was patient and easy to talk with about questions or concerns. Highly tecommend working with Fred!
Fred is very proactive and always one step ahead. My clients lovec working with him
Great communication and fast response
Fred was communicative and provided simple, easily understood explanations and answers to each of our questions. Was quick to get our documents prepared and ready for us to sign. Also provided a gift in appreciation for our teaming up with...
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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.