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
Great group of people, on time, communication was fantastic at any time, very accurate and answered any questions we had every time they came up. Very smooth, documents were always accurate as they could make them, very enjoyable experience....
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Reply from Rich Holsman
July 14th, 2025 03:35 PM
Thank you very much, Rick! You and Linda were fantastic, and we hope you love your new home!
I had dealings with Realtors and Brokers about 20 years ago and was not happy with a lack of communication. And caring.This team that helped us by our new house. Was absolutely fantastic! Communication was always there anytime day or night,...
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Great group of people, on time, communication was fantastic at any time, very accurate and answered any questions we had every time they came up. Very smooth, documents were always accurate as they could make them, very enjoyable experience....
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We had a great experience with this team of professionals. Took the time to help us understand the product and fought for us with a lagging builder. Every part of the experience with this lender was exceptional. They went above and beyond....
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Reply from Rich Holsman
January 15th, 2020 12:00 AM
Thank you for the incredibly kind words, Steve! It was a pleasure to work with you. Enjoy the new home!
Once again we have had a great experience with the Holsman team. They truly care about their clients. They make buying a home/refinancing a home a breeze!!! Thanks again Holsman's!!
Reply from Rich Holsman
January 15th, 2020 12:00 AM
Thank you for the very kind words, Nettie! It's always an absolute pleasure working with you. Thank you for trusting us with your home loans!
Good job by the Holsman Team guiding us through the whole maze of Mortgage Financing. I will definitely use them again in the future Dean M Santee CA
Reply from Rich Holsman
January 15th, 2020 12:00 AM
Thank you for the kind words and trusting us with your home loan, Dean! Enjoy your home!
This is the second time I used the Holsman team and my refi went smooth and simple. Great customer service both times.
Reply from Rich Holsman
January 15th, 2020 12:00 AM
Thank you, Neil! We are incredibly grateful for the opportunity to work with you again. Enjoy your home!
The Holsman team made my refinance process very easy and smooth. I loved that I could do everything online without having to call in. The entire staff were professional, knowledgeable and provided excellent customer service: all my questions...
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Reply from Rich Holsman
July 14th, 2025 03:35 PM
Thank you for the very kind words, Natalya! We really appreciate the opportunity to work with you; enjoy your home!
The Holsman team made my refinance process very easy and smooth. I loved that I could do everything online without having to call in. The entire staff were professional, knowledgeable and provided excellent customer service: all my questions...
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The Holsman team made my refinance process very easy and smooth. I loved that I could do everything online without having to call in. The entire staff were professional, knowledgeable and provided excellent customer service: all my questions...
read more
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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.