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
our loan officer was very polite and knowledgeable. We closed within 30 days and he
kept us informed about everything we needed.
The speed of the process was great. Completed a refinance and a new home purchase together at the same time and completed in less than 30 days.
Everything was great
Third time for us. No one does a better job than team Holsman ! Thanks again Fred.
Prompt and friendly service. Reasonable rates and connection with other services which made the whole process much easier.
Its just always smooth dealing with the Holsman family.
Great communication getting back to us in a timely manner.
Fred and his team knocked it out for us!
Quick communication and responses via text and email, phone calls when necessary during this difficult times. I highly recommend Fred, thank you so much for such an incredible service.
This is the second time I have used Bay Equity for my home financing needs. Even though refinancing is incredibly popular right now with the low interest rates, Fred Holsman and his team made the process quick and easy. We closed escrow on...
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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.