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
Fri
9 AM to 5:08 PM
Sat
closed
Sun
closed
View All days
Search Reviews
Search
Write a Review
Overall Ratings
Filter by Date
Range
Filter by Rating
Reviews from Web
Fred stayed in close contact and provided regular updates every step of the way. He even helped us utilize all the seller credits which helped us save some money.
Michael was such a pleasure to work with. This home buying experience was seamless!
Fred Holsman was very easy and great to work with!
Life changes everyday. Our plan was to build our dream home in the heart of Temecula BUT it change. We decided to put that dream on hold and decided to purchase a home. Our history with our past homes is we built and always dealing with construction...
read more
Michael was awesome! Very helpful, knowledgeable, considerate, understanding, and professional!!
Smooth, easy. Fred was on top of it the whole time. Never had a deal go better!
We appreciated Michael and his team for making our first time home buyer experience smooth and wonderful. Very thorough and professional. Thank you all!
Fred was always available for questions and worked to provide answers and information quickly. Excellent experience for us as first time home buyers.
Fred Holsman is amazing to work with. He is knowledgeable, prompt, and professional. He always took the time to explain the loan process anytime I had questions. I would highly recommend Fred and the Holsman Team to anyone looking to buy a...
read more
Amazing, organized, responsive, friendly, compassionate, knowledgeable, accommodating are the words to describe this fantastic team. I had back-to-back loans with them and was so happy and thankful for the ease of uploading documents, the flexibility...
read more
111–120 of 447
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
Search Rank ScoreLearn More →
What is the Search Rank Score®?
Experience.com’s Search Rank Score measures a professional’s online search visibility across hundreds of key SEO attributes.
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.