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
Very easy process and great communication.
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!
Thank you for all of your hard work and diligence Fred!!!!
Michael was very pleasant to work with. He was open and communicative throughout the entire process. He took the time to answer all questions thoroughly. He made informed decisions that helped us make better decisions as well. He was always...
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A+ experience, very efficient
Michael went above and beyond during all hours of the day! Thanks you!
HI the Holsman team was amazing to work with, constant communication and let us know how the process is going. I would recommend 100 per cent to anyone!
Fred was on top of it. He was great at communicating what was needed and helped us close in a short amount of time.
Fred was always available for the million of questions we had and was amazing to work with!. Baylie was also super helpful! Overall our experience was not as stressful and went as smooth as we could hope for. Definitely grateful for the Holsman...
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I was in a very different and difficult situation, at times we wanted to pull out hair but we laughed our way through it. They kept me calm and stayed positive though the whole thing. I don't think anyone else would have stuck in there like...
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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.