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 made everything flow. Thank you!!
Very responsive, presented great options, fast close.
Fred is so personable his attention to detail and the time he takes with his clients, especially as new home buyers, is outstanding .
Fred was able to answer all of our questions and guide us through the process of purchasing our first home. He made everything easy to understand and gave us thorough explanations on all of our questions and concerns. He always made himself...
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Fred was very quick with his responses, he answered any question I had as a first time buyer. Fred Holsman is a great guy and great loan officer. Very happy with my decision on using him throughout this process.
Great communication, friendly, helpful, efficient
Easy to work with and very helpful.
Fred is awesome.. great advice and he got back to my questions really fast . Great communication
It's always a pleasure working with Fred! Long time customer!
Very available and responsive. Everything moved so quickly!
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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.