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’s patience and persistence through the whole process.
easy peasy!
Fred went well above expectations in every way during the process. He and his team were outstanding to work with. I high recommend him.
Previous lender failed to perform in a manner expected. So, we went to Team Holsman at Bay Equity upon advice from another person. Personal communication in a timely fashion was greatly appreciated. I recommend this team for anyone looking...
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Personal communication in a timely fashion was greatly appreciated.
The team was professional, supportive and dedicated. We appreciate their tenacity and follow through with ear detail. We were so comfortable with Bay Equity that we turned down others we have worked with in the past as well as Fred Holsman...
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The personal service received from Fred assured us that he was doing his part in making our refinance easy and was very quick to answer various questions we had in the process.
The service! Quick responses in email and call backs.
Professionalism, caring, fast and on point
Excellent communication, incredibly quick closing, user friendly secure portal for documents, and low rates. Truly could not ask for more, and feel like i will always be in great hands with the Holsman Team. Thank you for another great loan!...
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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.