Lower Mortgage - Orlando, FL
Orlando, FL
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
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9 AM to 5 PM
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closed
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Reviews from Web
Todd was recommended by our builder to obtain a construction loan. We secured a construction loan that eventually rolled in to a residential mortgage. Todd was transparent and informative through the entire process and made every attempt to...
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Reply from Owner
February 17th, 2023 12:00 AM
Thank you for this glowing review, Vincent! We're ecstatic you had such a wonderful experience with Todd. We look forward to working with you again in the future should you have any purchase or refinance needs. Thanks again.
Todd Manley Richards has received a review with 5 star rating from Nicole K
Reply from Owner
January 23rd, 2023 07:35 PM
Thank you for the 5-star rating, Nicole.
Patrick Srichaiyan was great to work with. I wasn’t sure if it was the right time to purchase a home, but he helped me buy down my rate and make it much more affordable. He was also there to help every step of the way and made the process as...
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Reply from Owner
January 11th, 2023 12:00 AM
Thank you for sharing your wonderful experience with us, Shannon! It sounds like Patrick was there with you every step of the way, to help you achieve your dream of homeownership. Your experience truly shows the dedication Patrick has to his...
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Todd was fantastic to work with. Thanks you Todd!
Reply from Owner
November 1st, 2022 05:30 AM
Thank you for your kind review, Sotheara! Treating my borrowers with the highest level of respect is my number one goal. It was my pleasure to serve you.
Patrick Srichaiyan and his team at Waterstone Mortgage are absolutely amazing. You learn so much at every step of the way with Patrick. Having a lender that supplied us with a monthly estimate on an any and every home that we were interested...
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Reply from Owner
August 10th, 2022 12:00 AM
Thank you for this review, Herbert! We know how many questions pop up throughout the homebuying process, that's why communication from an experienced loan originator is key. It sounds like Patrick and his team went above and beyond, providing...
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Crazy Good, Great up front office to help expedite everything. We thru a couple extra wrenches at them, and it went seemless... Looking forward to do more!
Reply from Owner
August 8th, 2022 12:00 AM
Thank you for this glowing review, Michael! We're ecstatic you had such a wonderful experience with Patrick. We look forward to working with you again in the future should you have any purchase or refinance needs. Thanks again.
Todd was fantastic to work with. He was very easy to communicate with and we will absolutely work with him again! I have already recommended him to multiple friends for their home purchases!
Reply from Owner
June 13th, 2022 10:24 AM
Thank you for your kind review, Ryan! Treating my borrowers with the highest level of respect is my number one goal. Thanks for trusting me with the purchase of your new home. It was my pleasure to serve you. Congratulations.
Todd Richards was great all throughout the process. Have used him for multiple purchases and a refinance. He’s my go to for anything home related.
Reply from Owner
May 30th, 2022 05:49 AM
Thank you for taking the time to write this review, Alec! A fast and easy refinance and purchase is not possible without the help of a knowledgeable, professional loan originator. I appreciate your feedback and hope you'll return to me and...
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When we planned to refinance our home last year, our son-in-law recommended Todd Richards at Waterstone Mortgage, as he had used him for his own refinance. We reached out to Todd and we were not disappointed! We ended up refinancing our home...
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Reply from Owner
May 18th, 2022 10:15 AM
Thank you for taking the time to write this review, Gail! A fast and easy refinancing is not possible without the help of a knowledgeable, professional loan originator. I appreciate your feedback and hope you'll return to me and Waterstone...
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I really enjoyed working with Todd Richards and the team at Waterstone Mortgage. They are honest, courteous, professional and made the end to end mortgage process easy and efficient. I will without a doubt check here first, the next time I...
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Reply from Owner
May 16th, 2022 07:17 AM
Thank you for your review, Derek! The team and I were thrilled we were able to provide you with a positive mortgage experience. We look forward to working with you again when the time to refinance or buy a new home is right. Keep in touch.
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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
Time Zone
Eastern Standard Time (EST)
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.