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
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Business Hours
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9 AM to 5:08 PM
Sat
closed
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closed
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Quick and thorough communication.
Fred is very knowledgable of the housing market, great customer service, answers all calls, worked hard to get us a great rate.
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Thank you and appreciate all the hard work
This was the 3rd time that I have worked with Fred and his team. As usual, the process went smoothly and we closed within 2 weeks on a VA streamline refinance. Fred and the rest of the Bay Equity team were able to handle all of the paperwork...
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The process was very easy and Fred knows what he's doing. He always takes the time to answer my questions.
Fred and his team are awesome.
Fred was amazing. He answered calls and emails, days nights and weekends. Whenever a question came up, he was readily available with knowledgeable information, advice or just reassurance. As a first time home buyer, he made the process as easy...
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You all are very nice and profesional Thank you 🙏🏻
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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.