Rich Holsman
Branch Manager
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
Thu
9 AM to 5 PM
Fri
9 AM to 5 PM
Sat
closed
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Reviews from Web
As first time home buyers, we knew so little about the financial side. After coming in contact with Rich, he has helped us understand all the numbers in the process. He takes the time to explain to us like what is included in our monthly payment...
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We are first time home buyers, in the beginng we were very skeptical on who our lender was going to be. And when we got referred to Rich, we started with little to know about the finanical side. Working with Rich, we have learned alot throughout...
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Rich was a great communicator and easy to work with in getting out deal done
Very professional and prompt service.
Guided me step by step through the loan process with thorough explanations and transparency.
Always available and responds to questions.
Quick to respond and help with issues!
Good communication and service, everything was so smooth
..........
Michael and Abigale are AMAZING! Their dedication and ambition to help their clients succeed is top notch! Would recommend them over and over again!
Very kind and inviting. They treat you like a friend not just a customer
Michael was so great to work with. We had great communication and worked well with each other. I use this file as a testimony to new prospects as to why they should work with Bay Equity. Our client Toni had been through so much personal adversity....
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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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/850
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Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS# 95607
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.