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
Fred was friendly, experienced, and super responsive to all our questions and needs.
As first time home buyers we had a ton of questions and didn’t have a lot of knowledge on the home buying process, The Holsman Team made sure to be available at any time we called as well as go above and beyond to answer our questions and made...
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They make the experience easy and we're very knowledgeable.
Fred was very helpful and knowledgeable and an important aspect to me he went the “Extra Mile” to make sure things were taken care of.
Outstanding service!
The perfect amount of communication, on time, friendly and professional, helpful.
Fred called us several times the day the market rates dipped and encouraged us to lock our rate. We really appreciated that, and it saved us quite a bit in interest.
Fred and the team went above and beyond to help me strategize and secure the mortgage, and were always prompt and enthusiastic in communication.
Best rates and fastest response time!
Quick 7nderstanding of my needs, proactive
Fred and his team knocked my purchase out of the park! I switched to Fred with only 2 weeks until closing on my home because their rates and fees were incredibly lower. Not only did he save us several thousands of dollars in costs, but we were...
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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.