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
Rich & his team were very knowledgeable and communicative. They were on top of all the issues during our home purchasing process. We really appreciate their assistance.
Highly recommended team. Very efficient, extremely professional, and responsive to all inquiries and questions.
Every single part about the transaction, communication and overall experience was beyond my expectations!! Thanks a million to all!
Great experience with this team. Always staying ahead of the process and keeping me in the loop. Explained everything I asked about and made the experience easy for my wife and I.
Constant and clear communication about the process, the needed information, and the time frames in which we were working. Never being asked to provide the same document a second time showed that the Holsman Team was staying on top of everything...
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As always Fred is patient, informative and so helpful from start to finish. We have always gone with Fred due to these very reasons and are always looking for opportunities to refer friends and family to him! Thank you Holsman Team!
Fast and efficient
Our ability to communicate with the team day or night, very impressed.
Quick and easy
What made this a great experience,was the communication,the hard work to find solutions to any and all issues that were encountered.they did there job!I am thankful for there professionalism and experience.
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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.