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
Friendly service and the willingness to do business with out of state borrowers. The Holsmans care about their customer.
The Holsman Team was professional and patient with our questions. We had some bumps along the way but they communicated well and presented our options clearly so we could make wise decisions. In the end we have a great mortgage. Thank you Holsman...
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I am blown away you were able to get my loan done. I enjoyed working with you all so much and will always refer you my clients business. I also really appreciate that Fred answers his phone for me and is very reassuring. You really changed...
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Fred is just awesome. Whenever I emailed him with a question he would reply within a couple of minutes. He made us feel like we were his only clients, even though we are certain we weren't. The entire Holsman team was just fantastic from beginning....
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The Holsman Team made us feel like we were their only clients.
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!!
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!!
We have use Fred and his team to purchase 2 homes and just recently re financed both. They're communication is top notch! Can't thank them enough for their hard work and dedication to customer service.
Fred answered all of my many questions and was very responsive and efficient!
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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.