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
Overall process very easy and zero stress
Mr. Fred is the best service. He help me alots to buy the house. Thank you Fred.
Fred would answer every question in minutes . Made this process so easy to deal with cross country .
Fred handled everything!
Fred and the Holsman team made the process as simple as could be for us. Having worked with many lenders in the past I can easily say this was the smoothest loan process we've ever been through. I wouldn't hesitate to recommend Fred to anyone...
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Fairly easy process. Able to do all online.
We appreciate the overall ease of the transaction, as an out of area buyer it was nice that the process was simple. Anytime I had questions they were answered in a very timely manner. Very pleased with the process, it was a pleasure to work...
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I love that Michael was so patient and let us know exactly what was going on. No question was dumb. Thank you!
Very knowledgeable of the whole process and always available to answer questions.
Fred was amazing from the start. I had so many questions and questioned everything. I was given his name by Mike and Linda, who had purchased many homes and praised him. I know why now guess I will sing (smiling). I was receiving so many papers...
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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.