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
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9 AM to 5:08 PM
Sat
closed
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closed
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Reviews from Web
Fred is very easy to work. He andwers all questions thrown at him and provides very clear and informative feedback. He is also very responsive. He returns text or call or emails promptly. Overall, we are very happy with our experience working...
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Fred communicated strategy and was available to answer questions that arose when needed.
Alway response quickly with the answers
Fred was always available to answer questions and I felt he was looking for the best combination of rate and service.
Excellent communication
Fred & team very helpful & professional.
Fred is incredibly knowledgable and communicative. I enjoyed working with him so much!
the process was always simple, and really helpful
Fred's communication is top notch - the speed and clarity of his responses were great. The only issue we had arose when we checked the rate we were being quoted through Lower against our local credit union. The CU rate was much better. I could...
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I enjoyed working with Fred. He answered all of my questions, responded to all calls immediately. Fred is very professional and knowledgeable.
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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.