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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We appreciate his honestly and helpful approach on helping us buy the home of our dreams.
Rich Holsman has received a review with 5 star rating from Ashton W
Rich Holsman has received a review with 5 star rating from Lauren H
Michael was amazing the whole experience, he was always so helpful, and knowledgeable for us newbies! We are so thankful for the entire Holsman Team!
Fred and his team went above and beyond on this transaction. We had some scary moments, but Fred was always a head of the curve and making sure everyone knew where we were at, and what we needed to do in order to move forward. I am so thankful...
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Because Fred HOLSMAN made the experience very easy to apply online, easy to turn in the required documents, and easy to understand. The process was easy as well, Thank you Fred Holsman and his team.
The Holsman Team bring experience, professionalism, honesty and great communication on every deal. I never worry about closing a deal when I'm with the Holsman Team. They are a A+ and definitely the Lending Team you want and need. They don't...
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Holsman Team knocked it out of the park again. Proactive with communication to all parties of the transaction, competitive rates, and a client that was very satisfied. Thank you !
Fred is very responsive, much appreciated.
Fred Holsman and the Holsman Team made the process much easier and less stressful. Wish I would have used Bay Equity for my last purchase. Thank you for your dedication on this quick close.
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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.