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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Comms, coordinations, structure, & service.
The Holsman Team goes out of their way to make the process as very easy. They keep open lines of communication and takes the time to answer all of our questions. Simply the best.
Everyone kept us informed of everything that was happening and what to expect next. Always felt like part of the process and they always proactive to ensure nothing slipped through the cracks.
excellent job
Very professional and helpful for each step of this process. I love to work with each one in Holsman team!
We loved the communication we received from our lending team. They were very professional and efficient. We closed our loan in record time.
Quick responses and informative answers.
Fred. Thanks so much for always answering and being there
Fred communicated very well with what I needed to provide. He explained things when I was not understanding & made it easy to reply to him. Your team is very friendly & kind. Thank u!
Could not have been more pleased working with Fred and the Holsman Team. As a first time home buyer the process is a bit nerve wracking and Fred was there every step of the way to answer my questions (sometimes the minute after I sent the email!)...
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Reply from Rich Holsman
July 14th, 2025 03:35 PM
Thank you very much, Brendan! We are so excited for you! Enjoy your home!
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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.