Rich Holsman
Branch Manager, VP of Lending | NMLS# 95607
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
Michael was easy to work with, he helped us through some tough hurdles, it was a great experience and enjoyed working with him.
Fred Holsman, was amazing to work with. He was very prompt in all my communications via email and on the phone, every single interaction I had with him was very professional and prompt. I would recommend him a million times. Thank you so much...
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Fred was quick to respond and patient with all my questions. I started this journey over 2 yrs ago and he was great to work with and never got frustrated with me with all the quick offers and changes. The entire team was friendly and efficient....
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Thank you so much for your very quick and proactive help with our loan! We so appreciate everything your team did and are very happy with our new house and how everything worked out for us. Wishing you all the best!
Would work with this company again in a heartbeat! I have bought & sold a home in the past & this was a very easy process. They helped me negotiate my terms while staying in budget. I got a better rate through them then if I went to my bank...
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The service that Fred provided was outstanding. He was professional, knowledgeable, responsive, and kind. My family has purchased three homes and had a number of loans and he was without question the best person that we've ever worked with....
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Fred always had spot-on advice, was easily assessable and helped navigate through these uncertain times. We will always look to Fred for our financing needs.
Fred was extremely responsive any time I had questions, he really helped me obtain the best priced loan and watched the market closely to ensure we could lock in at a decent rate. Whenever I had questions about the required documents he was...
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An exceptional service, great communication and accessibility of the staff, Fred mostly, to answer any questions or concerns. Thank you very much!!!
The entire team was great.
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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# 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.