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
We have done 4 loans with The Holsman Team. There is a reason we keep using them. They hold our hand through the process and always find a way to over come Obstacles. We are grateful for all their efforts and guidance.
We have done 4 loans with The Holsman Team. There is a reason we keep using them. They hold our hand through the process and always find a way to over come Obstacles. We are grateful for all their efforts and guidance.
The frequent and friendly communication was very valuable.
Comminication
Working with The Holsman Team, especially Michael was by far, the best mortgage lending experience I have EVER had and that says a lot because I have bought and sold many properties, helped my children with purchasing their first homes and...
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Not a lot of back and forth and the communication was great. They did what they said they were going to do when they said they were going to do it!
Everything went very smoothly and communication was great. Great team to work with!
That they made it happen in 2020
2021 will be a great year for our family
Fred and The Holsman Team went above and beyond to make buying our home an easy and straightforward process. They were very professional, responsive, and also provided better options to buy our house with a non-contingent sale that I was unaware...
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Great communication and very helpful in their guidance.
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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.