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

5.0 star review received on Experience.com for Fred Holsman by Ismael A J - As ususl , works hard to get us the best...
05/31/2026

5.0 star review received on Experience.com for Fred Holsman by Ismael A J - As ususl , works hard to get us the best rates, works fast and efficient.

Click to see all 174 reviews of Fred Holsman #399150, Senior Loan Officer

5.0 star review received on Experience.com for Michael Hull by Joshua B D - Micheal was always there for me
05/25/2026

5.0 star review received on Experience.com for Michael Hull by Joshua B D - Micheal was always there for me

Click to see all 31 reviews of Michael Hull, Loan Officer

5.0 star review received on Experience.com for Michael Hull #1833245 by Johnny G - It was great because micheal made ev...
05/17/2026

5.0 star review received on Experience.com for Michael Hull #1833245 by Johnny G - It was great because micheal made everything so easy and simple. He helped me out when I was so busy

Click to see all 30 reviews of Michael Hull, Loan Officer

5.0 star review received on Experience.com for Fred Holsman #399150 by Chad D F - This was our fifth mortgage trans...
05/16/2026

5.0 star review received on Experience.com for Fred Holsman #399150 by Chad D F - This was our fifth mortgage transaction and first construction loan. Fred was, by far, the best loan officer we have ever dealt with. Fred was knowledgeable, accessible, positive, and solution driven. I would highly recommend him to friends and family.

Click to see all 173 reviews of Fred Holsman #399150, Senior Loan Officer

5.0 star review received on Experience.com for Michael Hull #1833245 by Beckie S - Michael was great, personable an...
05/15/2026

5.0 star review received on Experience.com for Michael Hull #1833245 by Beckie S - Michael was great, personable and very communicative.

Click to see all 29 reviews of Michael Hull, Loan Officer

5.0 star review received on Experience.com for Fred Holsman #399150 by Jessica G - Fred clearly explained the loan opti...
05/10/2026

5.0 star review received on Experience.com for Fred Holsman #399150 by Jessica G - Fred clearly explained the loan options for our specific situation and understood exactly what we were trying to accomplish. His communication was fast and responsive throughout the process. He worked hard to ensure our loan closed nearly two weeks early so we could begin our project ahead of schedule.

Click to see all 172 reviews of Fred Holsman #399150, Senior Loan Officer

5.0 star review received on Experience.com for Fred Holsman #399150 by James R - Fred is knowledgeable fast and gre...
05/07/2026

5.0 star review received on Experience.com for Fred Holsman #399150 by James R - Fred is knowledgeable fast and great to communicate

Click to see all 171 reviews of Fred Holsman #399150, Senior Loan Officer

5.0 star review received on Experience.com for Fred Holsman #399150 by Edward B H - Fred made the experience very smoo...
05/06/2026

5.0 star review received on Experience.com for Fred Holsman #399150 by Edward B H - Fred made the experience very smooth the whole way.

Click to see all 170 reviews of Fred Holsman #399150, Senior Loan Officer

5.0 star review received on Experience.com for Michael Hull #1833245 by Zachary D J - Very helpfull. Talked me thro...
05/04/2026

5.0 star review received on Experience.com for Michael Hull #1833245 by Zachary D J - Very helpfull. Talked me through all the steps And answered every question I had!

Click to see all 28 reviews of Michael Hull, Loan Officer

5.0 star review received on Experience.com for Fred Holsman #399150 by Kane R M - Fred was always available to answer ...
05/04/2026

5.0 star review received on Experience.com for Fred Holsman #399150 by Kane R M - Fred was always available to answer questions and made our home buying process as easy and accommodating as possible.

Click to see all 169 reviews of Fred Holsman #399150, Senior Loan Officer

Address

San Diego, CA

Telephone

+18585983593

Website

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