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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Great communication and customer service
This is a trustworthy, knowledgeable, efficient, friendly and very well managed family business. A+ ⭐️⭐️⭐️⭐️⭐️
Fred went above and beyond and was such a pleasure to work with! I always felt informed as to what was happening which made the process comfortable and easy. I would recommend 100%!!
Our agent was amazing to work with. He always responded to questions in a timely manner. Our entire refinancing process was done within about a months time.
The entire Holsman team was a dream to work with and walked us through the entire process as first time homebuyers. Everything went very smoothly and will definitely refer to my friends and family!
The Holsman team did an amazing job communicating and finding solutions to get our loan closed. Fred called with regular updates and always made me feel like I was his most important client. I work with a lot of lenders, and would highly recommend...
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There was always someone available to answer every question and Fred guided us through the process step by step. We were never in the dark.
We have worked with Fred on multiple loans, he is always professional, quick, and gets the job completed with excellence!
What an incredible experience. After being turned down by a dozen borrowers and receiving such misinformation I finally found a team that truly worked for me. Day and night they answered texts and calls and catered to need of their clients...
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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.