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
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9 AM to 5:08 PM
Sat
closed
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closed
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Reviews from Web
Everything. The professionalism, responsiveness, timing, great communication and advisement. Could not be happier, thanks heaps rich.
Rich was fantastic to work with. Where others said, “sorry nothing we can do” Rich said, “yes we can make it happen.” We are grateful to the team for working with us and making the process straightforward and successful!
Great people! Very knowledgeable and professional! Excellent work! Thanks much!
We had a loan that wasn't easy... The Holsman Team stayed with us and held our hand along the way. Most lenders should have given up but these guys didn't and in the end they were able to help us close on our investment property. Thank you...
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Always very easy to work and communicate with when needed. Being a speculative builder, we don't hesitate to refer new clients to them.
The overall professionalism throughout the entire process was top notch. The patience to answer all questions and concerns was really great!
This service is the best mortgage experience ever. Very good people.
Thanks everyone! You made it very easy
I’ve used The Holsman Team on several occasions for buying and re-financing in San Diego because they’re the best! Highly recommend them to all!
This is my second time using their services for refinancing. Fred is very professional and helpful. He explained everything in detail and every question I asked him he responded promptly. I highly recommend him and this company.
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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.