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
fast responses to changing priorities
He was not pushy and gave us sound advice, but also let us make all the decisions! He was very friendly and extremely helpful!
Reply from Fred Holsman
April 2nd, 2026 03:31 PM
I'm glad to hear that you appreciated the approach I took, Travis. Providing sound advice while respecting your decisions is very important to me. If there's anything more I can assist you with in the future, please feel free to reach out.
Fred was always available, very knowledgable, the process was smooth and fast.
Reply from Fred Holsman
March 31st, 2026 03:18 PM
I'm pleased to hear you found the process smooth and efficient, Jennifer. Being available and providing knowledgeable support is something I strive for. If you ever need assistance in the future, don't hesitate to reach out.
Very personal engagemen. Answers calls every time. Kept me informed.
Reply from Fred Holsman
March 25th, 2026 06:20 PM
I'm grateful for your feedback, Kevin. Making sure you felt personally engaged and informed throughout the process is very important to me. If there's ever anything else I can do for you, feel free to reach out.
Fred was extremely helpful and patient with me as a first tome home buyer. it made a huge difference having a very communicative loan officer when you are going through a new process.
Reply from Fred Holsman
March 19th, 2026 05:07 PM
It's great to hear that as a first-time homebuyer, you found the process smoother with clear communication, Ana. I’m pleased to have been able to help you through this important step. If there’s anything else you need along the way, just reach...
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Knowledgeable, friendly, and professional. Knows how to fix almost any situation.
Reply from Fred Holsman
March 16th, 2026 05:03 PM
Tyler, I appreciate your kind review. It's important to me that you felt confident in handling various situations. If you have any more questions or need assistance in the future, feel free to get in touch.
No problems. Great communication.
Reply from Fred Holsman
March 3rd, 2026 03:02 PM
Thank you for your feedback, David. I'm glad to hear that communication met your expectations. If there's anything further I can assist with, please don't hesitate to contact me.
Fred is SO knowledgeable, friendly and easy to work with!! He made the entire experience super easy! I would HIGHLY recommend him!!!
Reply from Fred Holsman
March 2nd, 2026 03:48 PM
I'm grateful for your kind words, Rebecca. It's wonderful to know that the experience felt easy and enjoyable for you. Thank you for recommending me, and if there's ever anything else I can assist with, just let me know.
Fred did a fantastic job communicating my options and I always felt that he had my best interest at heart. I will definitely be referring Fred to anyone looking for a home loan
Reply from Fred Holsman
February 24th, 2026 02:59 PM
It's great to know that you felt well-informed and supported throughout the process, Christopher, and I appreciate your trust in referring me to others. If there's anything else you need in the future, don't hesitate to reach out.
Fred takes care to make sure all the anxiety is removed from the transitio.
Reply from Fred Holsman
February 18th, 2026 05:47 PM
I'm pleased to hear that I could help make your transition smooth and alleviate any anxiety, Michael. Your feedback is truly appreciated, and I'm glad to have been able to assist you. If you ever need anything else, please feel free to reach...
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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.