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
Fri
9 AM to 5:08 PM
Sat
closed
Sun
closed
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Reviews from Web
Great communication and always closes on time!
Extremely easy to work with and always responded to my questions 24/7.
Very responsive and pleasant to work with!
Fred and his team were absolutely incredible! Fred was straight forward and honest, he didn’t mislead nor overpromise results. He simply did what he said he would do. His communication was excellent and prompt whether it’ was by email,phone...
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This is not the first time I work with Fred and his team. I have had a great experience every time. Fred is always available to answer all my questions, and he is very quick to resolve every issue that comes up. I look forward to work with...
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The Holsman team was responsive, professional, and the whole process was seamless.
fred was the greatest...thnx so much
This professional, honest and dedicated team I worked with this last month is unusual in any field. I was impressed, am impressed and can truly recommend the Holsman Team to anyone wanting to finance a home. Willis Allington
Over the course of two years Fred from Bay Equity has patiently helped me navigate the process of purchasing my new. The Holsman team is very knowledgeable and gives you all the information you need to help you make these life-altering decisions....
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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.