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
Fred was great!
Reply from Fred Holsman
May 4th, 2026 02:40 PM
Gary, I'm glad to hear that you found working with me to be a great experience. If there's anything else I can assist you with, please feel free to reach out.
It was very easy to communicate with Fred and get answers to questions. The whole process was easy to move through.
Fred was easy to work with, friendly, and was available to answer any questions we had during the home-buying process. He is incredibly knowledgeable and was a pillar for us to lean on. Home buying can be stressful, but Fred and his team made...
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Reply from Fred Holsman
April 30th, 2026 07:26 PM
Stephanie, I'm grateful for your kind words and am pleased to know that my knowledge and availability made the home-buying process smoother for you. It's important to me that you felt supported throughout this journey. If you have any more...
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Always answered and returned calls promptly. Was extremely friendly. Made the experience less stressful
Reply from Fred Holsman
April 30th, 2026 05:47 PM
Gerald, I'm pleased to know that my prompt responses and friendliness made the experience less stressful for you. If you have any further questions or need assistance, please feel free to reach out.
Good communication, answered all our questions thoroughly
Reply from Fred Holsman
April 27th, 2026 06:25 PM
Jonathan, I'm happy to hear that my communication and thorough answers met your needs. If you have any more questions or need further assistance, please don't hesitate to reach out.
Very informative and readily available, Fred kept me updated and was extremely helpful!
Reply from Fred Holsman
April 27th, 2026 03:44 PM
Gregory, I appreciate your kind words and am glad to hear that my updates and availability were helpful to you. It's important to me that you felt informed throughout the process. If there's anything else you need, please feel free to reach...
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Fred was always available, very communicative, and extremely helpful throughout the entire process. Would absolutely recommend him to anyone looking for a home loan.
Reply from Fred Holsman
April 23rd, 2026 04:24 PM
Jeffrey, I appreciate your recommendation and am glad to hear that my communication and availability were helpful to you. It's nice to know that I could assist you effectively throughout the home loan process. If you ever have more questions...
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Fred was not only extremely knowledgeable but he also made time for texts/calls at really any time of day. He made the entire process of buying a new home so easy even with us being first time buyers.
Reply from Fred Holsman
April 23rd, 2026 03:20 PM
William, I'm pleased to hear that my availability and knowledge made your first home-buying experience easier. It's great to know that I could support you through the process. If you need any further assistance, feel free to reach out anytime....
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The process of securing our loan was as streamlined as possible with Fred's guidance and support. I highly recommend Fred and would absolutely use his services again!
Margi McDaniel
Reply from Fred Holsman
April 14th, 2026 04:17 PM
Margaret, I'm grateful for your recommendation and your kind words about the loan process. I'm pleased that my guidance and support made things smooth for you. If you ever need assistance in the future, I'd be happy to help again.
The loan process was completed very expeitously. All questions regarding the documents were answered quickly and satisfactorily. The initial estimates ended up to be very accurate. There were no unpleasant surprises.
Reply from Fred Holsman
April 13th, 2026 04:50 PM
Thank you for your kind words, Scott. I'm happy to know that the loan process met your expectations and that everything went smoothly without any surprises. If you have any more questions or need assistance in the future, I'm here to help.
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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.