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
Very knowable team and provided quick responses to all question. It was a pleasure to talk to everyone when communicating by phone. All calls were answered right away, I was not put on hold and had listening to elevator music for 20 minutes....
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Straightforward instructions and communication.
Easy technology to upload documents.
Quick response to our questions and requests.
Fred was fast and clear in his case communication. His follow ups were as needed and appropriate
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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From the beginning of my refinance to the end Fred and his Team were on top of everything and made my experience as painless as possible!! I would definitely recommend Bay Equity to my friends and family!! Thank you again Fred and Team:)
Have appreciated working with the Team with both the first loan and refi. I am not a fan of errors or fire drills. Both of these do not inspire confidence. For many of the initial documents, I was uncomfortable signing documents that had errors...
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The entire transaction was fast and smooth. Everything I asked was explained in detail and I felt I was being guided by a trusted advisor. Great teamwork!
Speed! The entire transaction was fast and smooth. Everything I asked was explained in detail and I felt I was being guided by a trusted advisor.
Communication was great at the beginning. Very Responsive. Towards closing, we received no communication, Notary called us and wanted to meet within 30 minutes of his call, had no idea we were signing papers that day. This probably falls back...
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Fred was amazing. He was very patient and explained everything that we need to complete the process.
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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.