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Fred Holsman #399150 - Senior Loan Officer | NMLS# 399150 in Columbia, MD

Fred Holsman #399150

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Senior Loan Officer | NMLS# 399150

Lower Mortgage
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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
Mortgage
Mortgage Loan Officer
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Contact Info
(619) 609-6650
Columbia, MD
https://www.lower.com/lo/fholsman
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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Overall Ratings
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5 Star
99%
4 Star
0%
3 Star
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1 Star
0%
Reviews from Web
  • agent
    S
    Steve P
    Posted on July 29th, 2020 05:23 PM
    Fred and his team took such great care of us with our new property purchase that we immediately referred a friend to him. That friend made contact with Fred and was immediately impressed. Fred and his team answered calls and emails almost immediately...
    read more
  • agent
    B
    Brett D
    Posted on June 11th, 2020 09:38 PM
    Great communication, great rate, kept me closely involved and helped me understand what was needed every step of the way.
  • agent
    B
    Bradley S
    Posted on May 19th, 2020 12:07 AM
    Fred in his team make the process of refinancing easy as they know the business so well and surround each other with talent, which eliminates last minute unwanted surprises. I won't use anyone else but the Holsman group.
  • agent
    R
    Roberto B
    Posted on May 15th, 2020 05:27 PM
    I've done business with Fred in the past, and both my sisters have as well. It's been a great experience each time, and I'm looking forward to doing business with Fred in the future. Thank You Holsman Team!!
  • agent
    J
    John C
    Posted on May 15th, 2020 02:12 PM
    Fred was wonderful to work with. He was easy to get in touch with and was very knowledgeable and patient. I would definitely recommend Fred and his team.
  • agent
    F
    Felicia D
    Posted on May 10th, 2020 02:20 AM
    I have been dealing with Fred for several years. Each and every time he is very pleasant, answers all my calls and questions in a very timely manner. He always gives sound advice and very trustworthy. Thanks again Fred for all your help.Felicia...
    read more
  • Zillow
    M
    Michael W
    Posted on April 29th, 2020 08:36 PM
    I would highly recommend Fred and bay equity to anyone who is interested in a home purchase.Fred is a wealth of information and with his experience can help advise you on any part of the home buying process. Honest, straight forward and extremely...
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    Reply from Fred Holsman
    July 14th, 2025 03:36 PM
    Thank you very much, Mike! We are very grateful for the opportunity to work with you. Enjoy your new home!
  • agent
    M
    Michael W
    Posted on April 29th, 2020 08:32 PM
    We couldn't have completed this transaction without Fred. He went above and beyond his duty as a lender and became my oracle for real estate purchasing. I fell very grateful to have him as a resource and would recommend Bay Equity to anyone...
    read more
  • Zillow
    M
    MikeW
    Posted on April 29th, 2020 12:00 AM
    I would highly recommend Fred and bay equity to anyone who is interested in a home purchase.Fred is a wealth of information and with his experience can help advise you on any part of the home buying process. Honest, straight forward and extremely...
    read more
  • Zillow
    M
    Michael W
    Fallbrook, CA
    Posted on April 29th, 2020 12:00 AM
    I would highly recommend Fred and bay equity to anyone who is interested in a home purchase.Fred is a wealth of information and with his experience can help advise you on any part of the home buying process. Honest, straight forward and extremely...
    read more
    Reply from Fred Holsman
    May 20th, 2020 12:00 AM
    Thank you very much, Mike! We are very grateful for the opportunity to work with you. Enjoy your new home!
    • 151–160 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
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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.