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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Reviews from Web
Fred was great throughout the whole process.
The Holsman team made refinancing my home loan very easy. They stayed in communication with me throughout the whole process and got me a great rate. I would highly recommend them.
Thanks so much for your help!! We real look y appreciate your whole team!
Great communication and follow up. Easiest refi ever had.. Thank you very professional.
I refinanced my home with Rich Holsman. It was a very pleasant experience with Rich and the whole Holsman Team. It was fast and painless and will save me a lot of $$$ on my monthly payment.
This was my first time buying a home. The opportunity to buy came up very quickly, and when I saw the property, I knew it was the one. I initially used a different lender, but they were slow to communicate and dropped the ball a few times,...
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My husband and I just bought our first home and Fred stepped in when our other agent became really ill. Fred was extremely patient and responsive to all of our questions and needs. And yes there was a lot of questions!😊We had already had put...
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Well first of all Fred is phenomenal his whole family Fred does not lie if he tells you he can get something done he will get it done. Well-versed well educated and our family will definitely be using him again in the future there is a scripture...
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The Holsman team was always there to answer our questions and very quick to respond, no matter what the question might be. They were very informative with information that they shared with us. Fred was awesome and did a fantastic job. It made...
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It's my second time working with the Holsman team. Fred, Rich, Abigail and everyone else are the best. I have and will recommend Bay Equity to anyone need home financing. Great job and thanks !!!
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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.