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
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closed
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closed
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Reviews from Web
Knocked it out of the park as always!! Thank you!
My recent transaction with Mike and the Holsman team was seamless! Mike is pleasant to work with, communicates well and took great care of my buyer. Mike exceeded my expectations and we were able to close earlier than expected!
Reply from Rich Holsman
July 14th, 2025 03:35 PM
Thank you Jackie! We are so happy to be working with you! Please let us know if we can do anything for you!
Michael and his team were amazing!! If you are in the market, don’t miss out on such a great lender. He answered all my millions of questions and if I don’t understand something, he would take time explaining it to me in terms I’d understand....
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Reply from Rich Holsman
October 23rd, 2024 04:35 PM
Thank you Sarah for the amazing review! We are always here if you need anything and will absolutely be reaching out when these rates drop!
Rich Holsman has received a review with 5 star rating from Steven E
Fred Holsman is a great Load Officer. He did his job efficiently at all hours, with good advice. He really drove the process to completion, which I appreciate.Unfortunately, the Underwriters who support Fred are not. I understand they need...
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Reply from Rich Holsman
July 14th, 2025 03:35 PM
Hi Richard! I'm so sorry to hear that your experience was not up to par. We sincerely apologize for the inconvenience and hope to redeem ourselves in the future!
As a person who has had 2 home loans in the past, this was by far the easiest/best loan process I have experienced. Micheal even went as far as giving us a call after hours, after his flight, to clarify our questions. I can’t thank The Holsman...
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Reply from Rich Holsman
July 14th, 2025 03:35 PM
Thank you Alicia! We are always here for you with anything you need. Thank you for trusting us with your home loan!
Michael and his team were amazing! He made me feel secure and taken care of the whole transaction. I wish I had him around the first time we bought a house. Now that we’ve worked with him we will forever be clients of his.
Reply from Rich Holsman
July 14th, 2025 03:35 PM
Thank you Sarah! We are always here for you for whatever you need! Enjoy your new home!
Fred and his team were amazing and kept us informed every step of the process.
Fred is genuine, knowledgeable and a great communicator. His team is hard working and fast to respond. If he says the loan is good then rest assured, there will be one happy new home owner!
Michael and his team guided us through every step!! Buying a home can be stressful and they were AWESOME!!!! Always available when we had questions! Michael and team made this a great experience!
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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.