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
Buyers were super happy and appreciated the step by step easy communication and help along the way!
Good work, professional and got it done.
Fred and his team are amazing at communicating each step of the loan transaction. My clients are in good hands with them! Fred is genuine, knowledgeable and ALWAYS responds to his calls. If he tells you he can do the loan, then that loan is...
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Communication! The buyer was super happy with the easy going approach. Everything stated happened and went as expected
The communication on point! I wish I could say the same for other lenders but I very much appreciate being kept in the loop and not having to track down information. If we all do our jobs efficiently it makes for a seamless transaction. Thanks...
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Buying a new home can be stressful and Michael and his team were AWESOME!!! Always there for us and helping every step of the way!!! Appreciate the Holsman team very much! Will definitely be recommending them!!
It was fast, easy, The Holsman Team got everything done on time and it was a hassle free escrow.
Fred was great to work with. He was able to get an approval and close in a tight timeframe.
Fred Holsman got my clients deal done just like he said he would. He closed a VA loan In 21 days. He was always available to answer questions for both me and my buyers and kept us informed every step of the way. Thanks Fred!
A+ experience very professional efficient and detailed
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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.