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
The Holsman Team at Bay Equity did an outstanding job. They made this experience very pleasant and easy. Loved getting notifications thru text messages that documents were being sent via e-mail . The whole process was handle quickly and with...
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Very customer service throughout process
Communication is key! Rich will always answer his phone and answer any questions you have. He is also very descriptive in his answers. I felt comfortable and confident working with Rich through the whole process. I will always use the Holsman's...
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I love working with the Holsman Team. This was my second time. They are amazing and I would recommend them to everyone
Tom was professional and did what he said he would do - simply put underpromised and overdelivered! Great experience!
After we did all the initial data collection, we were done. Bay Equity took it from there.
This is second refinance Fred has done for me and he has also done two others for my significant other, we won’t ever think of going with anyone else. Fred is second to none, we are so pleased and great full for what he has done that we have...
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Great staff!
Constant updates via email and truly professional communication and processing of the loan were the most impressive I've ever experienced. This was not my first rodeo. The entire Holsman team should be proud.
Knowledgeable, professional, timely service with excellent communication. Highly recommended.
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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.