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
Fri
9 AM to 5:08 PM
Sat
closed
Sun
closed
View All days
Search Reviews
Search
Write a Review
Overall Ratings
Filter by Date
Range
Filter by Rating
Reviews from Web
Available anytime to answer questions that arose along the process.
Able to patiently explain things that I did not understand
Keep us on the loop on the next steps to take.
Thank you so much! Such an easy and seamless process refinancing. I blinked and it was complete!
Fred took the worry out of the process and helped us every step of the way.
Extremely professional they know exactly what you need when it comes time to purchasing your family home I highly recommend them I will use their services always
Fred was very helpful during our home buying experience. We were on a very tight timeline with a short escrow and he stayed on top of everything and kept us in the loop. Very much appreciated his help!!!
Everything was smooth and efficient. Thanks for everything!
Fred and his whole team were so great to work with. From the original approval process to looking for my new home to the closing of escrow, everything was so smooth. Fred is very knowledgable, responsive and thorough. I would highly recommend...
read more
Over the course of two years Fred from Bay Equity has patiently helped me navigate the process of purchasing my new. He is very honest, knowledgeable, and kept in constant contact with me to let me know everything that was going on. He explained...
read more
Fred was awesome, very fast and kept me on track. Explained all the details very well and efficiently.
Always there with answers to all of our questions.
191–200 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
Search Rank ScoreLearn More →
What is the Search Rank Score®?
Experience.com’s Search Rank Score measures a professional’s online search visibility across hundreds of key SEO attributes.
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.