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
Fred Holsman is the best. He went well above and beyond to help me buy my first house. He kept me apprised of what was going on. In fact, the whole Holsman Team was amazing! Thank you so much.
Good communication, timely service. Very satisfied
It was great working with Fred on refinancing our home. He was very knowledgeable and answered all our questions. From start to finish the process went smoothly.
A lot faster and more convenient than I ever expected. Thanks again.
Everyone were very informative and prompt throughout process.
Fred was very helpful in every way. There was quite a few things I had a problem with filling out our sending to him. He took the time to work with me that I found it was easy to take care of the problem. John doesn’t do the computer or any...
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The Holsman Team Rocks! They were extremely helpful in navigating a VA loan refinance in a quick and efficient manner. Always available to answer questions and provide thoughtful explanations. I STRONGLY recommend working with Fred and his...
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Always responsive and available to answer any questions. Was another quick easy transaction.
Open and honest communication was key. Also the patience the Holsman Team demonstrated answering all of our questions.
I really appreciate that the team responds quickly to every question and every document received.
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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.