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
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
Extremely professional, friendly, and easy to work with. We got a better rate with them than with a normal bank, and then had an excellent experience with them the whole way through.
very helpful with all the steps of the loan. they are a team that works for you.
Fred and his team were absolutely a pleasure to deal with and they have went above and beyond in every single way in which our mortgage was handled! My wife and I can’t thank the Bay Equity Holsman team enough for getting the house of our dreams!...
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Best experience ever. Totally knowledgeable & friendly. I couldn’t ask for a better lender. If looking for home loan you cannot miss with the Holsman Team. Especially Fred Holsman
I was referred to Fred by my real estate agent at Redfin and I could not be happier with the service I received. Fred and his entire team really made the loan process fast and easy without any problems. Great service and very helpful. I will...
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The communication and promptness from the whole team was exceptional. Thank you!
Everything was fabulous. I will definitely refer to friend and family. Goldman is #1. Thank you
we had lots of help from the whole team from the first day to the last. from start to finish was about 10 days and we were in our new home before Christmas.
Very communicative and helpful. Easy to work with and professional.
This was my second time working with Fred. He is the reason I went with the Holsman Team. Fred was again amazing to work with. He was always available to answer the million of questions that we had. He was super patient and knowledgeable. He...
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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.