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
Fred was communicative and provided simple, easily understood explanations and answers to each of our questions. Was quick to get our documents prepared and ready for us to sign. Also provided a gift in appreciation for our teaming up with...
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Assisted with our refinance. Provided excellent rates and superb customer service. Professional, knowledgeable, efficient, excellent follow up, immediate response to our questions. The entire process was smooth from beginning to the end. I...
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Rich Holsman has received a review with 5 star rating from Tripperjones A
Rich Holsman has received a review with 5 star rating from Tina
Customer service can’t be beat. Tried with two other lenders before I chose to work with Fred.
Rich Holsman has received a review with 5 star rating from Joseph A
Fred always took my call and explained each step methodically and i was able to follow the process easily all the way through.
Free always goes above and beyond to make sure the deal goes through seamlessly!
It was very easy for us
Fred handled everything so well and held up professionally under some extremely unpleasant situations. We are endlessly grateful for his patience and grace.
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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.