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
The Holsman team always comes through with the prefect loan package and gets it done in a timely manner.
Thanks for great communication and helping me through this process! Very happy and excited with the outcome!
The process was smooth from start to finish. Fred responded quickly to any questions we had and explained thoroughly what was needed to get the loan approved. We were able to upload all our documents and communicate through email which made...
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I cannot overstate, how pleased I have been with my experiences working with the Holsman team. Over the years, I have been fortunate enough to execute multiple refinances with the Holsmans and can say, that from a starting point of great performance,...
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Fred is honest and dependable. i enjoy the way he conducts business.
It was prompt, professional service.
Quick and easy
.
Fred very efficient in getting back to me with the answer to any of my questions. My refund went like clockwork and it was over Very quickly. Fred always handled my questions as though they were as important to him as they were to me and didn’t...
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We have used Fred when we purchased our home years ago and our last two refinances. He’s always done a great job.
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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.