The Holsman Team

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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 Michael J K - When no one else would help us out with a l...
10/21/2026

5.0 star review received on Experience.com for Fred Holsman by Michael J K - When no one else would help us out with a loan, Fred found a way to help us out and get us into our new home and we are forever grateful for that. Fred was always quick to answer his phone and be there for us whenever we had any questions or needed anything. He definitely went over and beyond for us. Whenever we faced any kind of issues, Fred would handle them, and it was great knowing we had someone on our side that was looking our for us and making sure that we were taken care of. Fred is very knowledgeable, professional, and skilled at what he does. We felt confident knowing we were in very capable hands throughout the entire process. We are very pleased with all that Fred and his team did for us, we will definitely be recommending him to friends and family.

Read more: https://experience.com/reviews/fred-holsman-432389/4ffbb229-471d-496b-9dd8-11d5dd659c4a?V=1792604805&utm_source=facebook&utm_medium=autopost&utm_content=13767526

5.0 star review received on Experience.com for Michael Hull by David H - Communication was excellent!! If we had a quest...
10/19/2026

5.0 star review received on Experience.com for Michael Hull by David H - Communication was excellent!! If we had a question, he had an answer. He kept in contact during the entire process of our loan. helped explain things that we're confusing and got us into the home We wanted!!! Michael is the one member in the team that made everything happen,

Read more: https://experience.com/reviews/michael-hull-432391/811122b6-ef8b-4dec-9ca1-2f5dad44faf1?V=1792432990&utm_source=facebook&utm_medium=autopost&utm_content=13764323

5.0 star review received on Experience.com for Fred Holsman by Shawn M - Fred responded quickly during our loan process ...
09/28/2026

5.0 star review received on Experience.com for Fred Holsman by Shawn M - Fred responded quickly during our loan process and provided excellent assistance when needed. He worked closely with our realtor and provided recommendation(s) regarding the type of loans that worked best to complete both our home sale and purchase. I would highly recommend Fred for any loan servicing needs.

Read more: https://experience.com/reviews/fred-holsman-432389/0d1238f4-4dff-4eb1-b8c6-d84ab0b5d0c8?V=1790614104&utm_source=facebook&utm_medium=autopost&utm_content=13681399

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San Diego, CA

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+18585983593

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