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
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Business Hours
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9 AM to 5:08 PM
Sat
closed
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closed
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Reviews from Web
Pleasure to work with. One small hickup, but oh well.
Fred is a very professional highly effective finance professional. He was communicative, explained the process and got it done. I would highly recommend him!
They were able to help me with a difficult time based problem and I might not have been able to get my new home. Fred got to work and helped me close on my home in less time then I anticipated. They are all very NICE and professional. I never...
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Fred was awesome and everyone stepped in to do their part. Much appreciated!!
Communication every step of the way was timely and useful. Fred's very professional and gave straight answers to sometimes complicated questions. Felt like we had a real advocate in a stressful situation.
The escrow process is normally scary and stressful but Michael was quick, efficient and very skilled. From the very beginning, Michael was extremely communicative and knowledgeable, very detailed, super friendly. Our escrow closed VERY quickly...
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The Holsman Team was always accessible and quick to respond.
Mr Holsman and his family are friendly and knowledgeable. They go above and beyond to ensure my wife and I are informed and happy with their service. This is at least the fourth time they have helped my family and I look forward to depending...
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My questions were answered thoroughly. The Bay Equity team was available throughout the whole process of buying a house. Every employee was kind and professional. They were very hard to have a quick closing so that I could move into my house...
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The entire transaction was extremely smooth. Fred and team were responsive, informative, and their process from start to finish was seamless. They beat out multiple other competitors with their rates and I would highly recommend (and have already)...
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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.