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
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9 AM to 5:08 PM
Sat
closed
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closed
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Reviews from Web
Great work and very helpful.
Super helpful.
Excellent customer service, good communication, very friendly & efficient. It was a pleasure to deal with Fred Holsman and his team. It was a very smooth process and couldn’t have gone any better. A+
Fred and team are so responsive to emails and texts throughout the escrow process. It felt like doing business with a trusted friend. I highly recommend them.
Fred is the best out there!
We are a building contractor that specialize in speculative building. Fred is very easy to work with and because of this we recommend him to many of our clients wishing to purchase our new homes. Naturally, when it was time to re-fi our own...
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Fred was great to work with and went far and beyond his duties to assist me in my process. Thank you Fred!!
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Fred and his team are exceptionally professional and helpful.
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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.