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
Fred was extremely knowledgeable and helpful with any questions we had in the house buying process. He was amazing through the whole process from start to end.
Michael was friendly, professional, and efficient! He was prepared and ready early and had everything needed before the deadlines to ensure a smooth transaction-Clients loved him too!
Fred and his team always knock it out of the park! Super helpful, communicative and my clients love him. Thanks for all your hard work!
The whole experience was great - despite the scary numbers involved. The communication, the organization, the execution, the questions/answers.... it was the whole package. An impressive organization - thank you for your help with this life-changing...
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Fred and the entire Holsman Team were great to work with. Promptly and succinctly communicating every step of the process. Regardless of my question, the Team was always available with an answer or direction. The secure document portal was...
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Fred and the team took care of us every step of the way, and were always there to answer questions and get us what we needed. Plus, it helps that the Holsman team has taken care of us several times, and has gotten to know our family and our...
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Fred and Team were on top of it. From Pre approval to close it was 31 days with Christmas and New years in the middle. Fred had constant communication. We were first time home buyers and he took the time to break everything down and explain...
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Very helpful, great communication and professionalism.
Rich Holsman has received a review with 5 star rating from Kelly J
It was great working with Fred. Clear communication, fast response times on out questions AND was able to juggle a faster closing for my client. Thanks Fred!
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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.