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
For being first time homebuyers it seemed pretty straight forward. Only a few hiccups but over all less stressful than I thought it would be.
The Holsman Team was awesome! They were very helpful especially in the area of tech support! They were patient, kind, and humble. The best part was closing earlier than the original closing set date. They were quick to respond and thorough...
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Fred is available via text phone or email.He took the time to explain our scenario to my husband multiply times with such patience & detail. The transaction was overall smooth. Thank you Fred & team!!!
They did a great job walking us throughout the process and kept good communication.
Great communication and simple to send and receive the documents.
kind, professional and timely
Thank you for working with us in our loan. You were very efficient and quick getting everything done in a timely manner. You were always available to answer any questions that we may have had and. Thank you so much for everything!
Simple and great communication!
Hands down the Holsman team is by far the best in the business. They were fast and prompt with the entire process. When I had questions they answered them immediately. I had a great experience.
Quick response to my time of need in expediting the process due to the fact we had only 2weeks to close from escrow.Fred and his team jump into action and made it possible for us to save our home ....thank you again Bay equity !!!!!!😊👍
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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.