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
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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
We are absolutely thrilled to share our experience with Bay Equity Mortgage. From the very beginning, principal Fred Holsman demonstrated an unparalleled level of expertise and dedication, consistently providing us with exceptionally good advice...
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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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Would recommend the Holsman Team to anyone who is buying a new house, acreage, etc.
The holsman team are a great group of people to work with! Would 100% love to work with them again! Family!🙂
Your professional perseverance & patience helping and advising our clients as they made their way thru escrow and successful close made for a great experience! Thank you for keeping the calm as a curve ball was tossed mid-escrow discovering...
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Michael and Abigayle were the two we were in contact with the most during this process. Both are knowledgeable, friendly, professional and their willingness to assist us in any issue during this process was greatly appreciated. We have already...
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I appreciated all the efforts made throughout the process with communication and working through each challenge presented to us.
Rich Holsman has received a review with 5 star rating from Kim S
Fred is experience shines through - he is quick to respond and keeps everyone in the loop. Great transaction
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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.