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
We really enjoy working with Fred! He is responsive, always ahead of the curve, expert in market knowledge, gives great, honest advice. We have worked with Fred on at least three mortgages. We will be back to work with Fred!
Great communication, and very knowledgeable.
The process was for getting approval was great.. but the other side is a pain Fred has been great to work with I'm sorry he had to deal with my brother's lawyer
If we didnt understand, Fred took the time to explain it clearly
I believe better communication on interest rates
Fred and His Team are outstanding! They went out of there way to Listen, Communicate and understand our concerns from start to finish. Then went through each step with us the whole way. In addition they were able to close escrow in 14 Days...
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Fred was a huge help whenever I had questions and always kept me updated on what was happening
Clear and timely communication.
Answered all my questions
Fred is very knowledgeable and helpful. He was always available for all of the questions we had during our home buying process. We would absolutely work with him again.
I have to say the experience was great from start to finish. Fred was very transparent and understanding of the process. Hands down the best. my wife Amanda and I will always use Fred (lower mortgage).
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.