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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Recently underwent a refi with the Holsman Team. From start to finish our silly questions were answered quickly and professionally. We closed in about 3 weeks time and, quite frankly, I’ve purchased vehicles that were more troublesome than...
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Reply from Rich Holsman
July 14th, 2025 03:35 PM
Thank you very much for the kind words! It was an absolute pleasure to work with you. Enjoy your home!
From start to finish we found that our refi process moved along very quickly, but most importantly all our silly questions were answered quickly and efficiently. Truth to be told here, I’ve purchased vehicles with a lot more hassle than this...
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I understand that your team is very busy with many people refinancing at the moment. The service you provided this time around was very different from my previous experience. Again, I understand you are running a business. However, this time...
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Fred and the whole team is just great! Quick and friendly service.
I have purchased many properties over the years and have weathered many difficulties with the mortgage process. Fred and his team are simply the best I have experienced! They saved me from a very difficult situation by mobilizing to provide...
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You guys always make things so easy- only request necessary information, nothing over the top. You are always available to answer my questions, and are very efficient with the whole process! I’ve done a few loans with you and will definitely...
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Very professional
The Holsman team was very accommodating, quick to respond to questions I had, informative information: I was so impressed with Holsman’s accessibility, even on the weekend, always available: I was so impressed with my family members’ favorable...
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Fred was amazing! He really took a lot of time to help explain and guide us in the process and made it very easy. We really appreciate everything you guys of done for us!
We had a great experience from the begin to the end. It was seamless.
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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.