The Holsman Team

The Holsman Team With 30+ years of experience, The Holsman Team is committed to providing the right home loan for our customers and clear communication with our partners.

Welcome to our family. Lower, LLC NMLS # 1124061 The Holsman Team is a family operation that has been active in home lending for over 30 years across Idaho and California. Our commitment to customer service and building relationships has been, and will continue to be, a top priority. Whether you are purchasing or refinancing, buying your first home or building your dream home, The Holsman Team has

all of your lending needs in one family. We are a direct lender that can fund your home loan with low fees and mortgage rates, along with fast service. In today's market, timeliness and customer service are the most integral parts of getting a home loan. With The Holsman Team, your loan will close on time with the loan product that fits your lifestyle. Rich Holsman NMLS #95607
Fred Holsman NMLS #399150
Michael Hull NMLS #1833245
Abigayle Holsman NMLS #1105000
Equal Housing Opportunity
Lower, LLC NMLS # 1124061

4.16 star review received on Experience.com for Michael Hull #1833245 by Cody R - my situation gave me advice and expla...
08/25/2026

4.16 star review received on Experience.com for Michael Hull #1833245 by Cody R - my situation gave me advice and explained everything well to me

Click to see all 39 reviews of Michael Hull, Loan Officer | NMLS # 1833245

5.0 star review received on Experience.com for Michael Hull #1833245 by Sarah J B - Michael was bery responsive and...
08/16/2026

5.0 star review received on Experience.com for Michael Hull #1833245 by Sarah J B - Michael was bery responsive and answered all our questions!

Click to see all 38 reviews of Michael Hull, Loan Officer

5.0 star review received on Experience.com for Fred Holsman #399150 by Stanley J E - Fred was an excellent communicator...
08/13/2026

5.0 star review received on Experience.com for Fred Holsman #399150 by Stanley J E - Fred was an excellent communicator. He kept us informed and helped with any question or issue that faced us promptly with a kindness and understanding.

Click to see all 193 reviews of Fred Holsman #399150, Senior Loan Officer

5.0 star review received on Experience.com for Fred Holsman #399150 by Rodney H - Great customer
08/12/2026

5.0 star review received on Experience.com for Fred Holsman #399150 by Rodney H - Great customer

Click to see all 193 reviews of Fred Holsman #399150, Senior Loan Officer

4.83 star review received on Experience.com for Fred Holsman #399150 by Jairo B - The help and good communication
08/10/2026

4.83 star review received on Experience.com for Fred Holsman #399150 by Jairo B - The help and good communication

Click to see all 191 reviews of Fred Holsman #399150, Senior Loan Officer

5.0 star review received on Experience.com for Michael Hull #1833245 by Ronald N B - From day one, Mike had our b...
08/09/2026

5.0 star review received on Experience.com for Michael Hull #1833245 by Ronald N B - From day one, Mike had our backs with the home loan process. Easy going, respectful, responsive and extremely knowledgeable .. the list goes on and on. We came out of our new home purchase knowing that we were appreciated and very well taken care of with the financial aspect! Cheers to Mike!

Click to see all 37 reviews of Michael Hull, Loan Officer

5.0 star review received on Experience.com for Fred Holsman #399150 by Jettie M - Fred walked me through so many obstac...
08/01/2026

5.0 star review received on Experience.com for Fred Holsman #399150 by Jettie M - Fred walked me through so many obstacles I had to work through and made me feel heard. He always reaches out and is very kind and helpful when needed. Thank you for everything!

Click to see all 190 reviews of Fred Holsman #399150, Senior Loan Officer

5.0 star review received on Experience.com for Michael Hull #1833245 by Jeffrey L S - Michael went above and beyond ...
07/31/2026

5.0 star review received on Experience.com for Michael Hull #1833245 by Jeffrey L S - Michael went above and beyond to find the right loan for me

Click to see all 36 reviews of Michael Hull, Loan Officer

5.0 star review received on Experience.com for Michael Hull #1833245 by Andrew L K - The attention to detail.
07/31/2026

5.0 star review received on Experience.com for Michael Hull #1833245 by Andrew L K - The attention to detail.

Click to see all 36 reviews of Michael Hull, Loan Officer

5.0 star review received on Experience.com for Fred Holsman #399150 by John D - Fred is a true professional and very he...
07/31/2026

5.0 star review received on Experience.com for Fred Holsman #399150 by John D - Fred is a true professional and very helpful. He is very responsive and made the process easy.

Click to see all 190 reviews of Fred Holsman #399150, Senior Loan Officer

Address

San Diego, CA

Telephone

+18585983593

Website

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