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
They were on top of things every step of the way. Proactive and available are two words that describe their service. When we were getting ready to lock in our rate, I called to find out what I needed to do and was told everything was taken...
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Micheal and his team walked us through every aspect of the process and made it very effortless and seem less for us . Micheal went above and beyond in working with us and our team , the support, constant communication , professionalism and...
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Friendly, prompt, great communication!
Smooth, spot-on process.
Your team asked every detail related to the loan very seriously, clearly making it work!
With the time crunch that we were under and the uniqueness of our situation, I was amazed at how clear and efficient everything was handled. Even though I know it isn't true, it felt like we were the only client and that we had absolute access...
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The entire team was very responsive through the entire process. The process was smooth and timely.
Fred was very professional, patient, and communicative. Hard to beat that level of service. Thanks, Fred!
They were the best. Kept me informed throughout home buying experience. Worked with me to get me a good loan so I could get my new dream home.
Lack of explaining of details. It was not clear that there were two separate escrows. Abigail made multiple small mistakes. I was accused of not paying my homeowners insurance when I had. (how could I have provided a declaration page if I hadn’t...
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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.