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
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9 AM to 5:08 PM
Sat
closed
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closed
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Reviews from Web
Awesome A-Team! Effective communication from the start! Clients love working with Lender Fred…he answers his phone! Very experienced & knowledgeable and has solutions if & when a concern pops up! The support team members help his success and...
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Michael was super helpful and talked many scenarios with these clients. Always friendly and helpful!
Fred offered a discount to work with Bay Equity due to me previously working with them a few years ago. He remembered myself and my family and it was a nice and personal experience. Fred was quick to get documents distributed and pushed through,...
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Fred is amazing with his knowledge and communication. Best lender EVER!
Fred was very attentive and polite and helpful
Very responsive and we closed a day early without a hitch! Great job
Fred was amazing! He always answered the phone and was able to close our transaction ahead of schedule. Great attitude and positive, get it done energy! If I ever need a mortgage again, he will be my lender! Thank you Fred and team! Great job!...
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Fred is very good at what he does. The whole experience was uneventful, which is a good thing.
Fred was very helpful.
Michael Hull was so easy to work with, took his time to explain all of our questions and made us feel very comfortable with the process. Couldn’t ask for a better person to assist us. Thank you!
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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.