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
Incredibly quick responses. Kept us informed every step along the way. Answered every question.
Fred and team are extremely knowledgeable and helpful and will keep you informed all along the way, even when you have questions at odd hours. Can’t recommend more highly!
Fred called me advising that it was a good time to refinance our mortgage. Just because he helped us with the purchase doesn't mean that we are no longer clients of his. Fred was looking out for our best interests and he, and the entire Holsman...
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Fred made us feel special and that we matter to him as his clients.
Fred was a pleasure to work with. We have used Fred twice, for the purchase of our home and just recently with a refinance.
There was not a question in our minds that the Holsman team was real and on top of things that we need to close a contract. At each segment in the home loan process, they kept us on task and on time. They worked together with our real estate...
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Reply from Fred Holsman
July 14th, 2025 03:36 PM
Thank you very much, Steve! We really appreciate the opportunity to work with you. Enjoy your home!
Fred and the entire Bay Equity team in Eagle kept in contact and on task with us. All rock stars.
Fred was very nice and very patient with all my hesitations in going to them. He gave me time to think and at the same time he works fast. It does not matter what time you call or text him, he respond quick. He answered all my questions and...
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This is my 3rd home or refi with Fred he is amazing!!!
Above and beyond with helping us with our home purchase. Thanks Fred
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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.