

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
Location & Business Hours
Business Hours
Wed
9 AM to 5 PM
Thu
9 AM to 5 PM
Fri
9 AM to 5 PM
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Reviews from Web
This is the second transaction working with Todd Richards on a real estate purchase! He is an expert in his field, easy to work with, efficient and available. He is a true professional with a ton of knowledge and earned our trust and respect...
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Reply from Owner
May 12th, 2022 08:22 AM
Thank you for taking the time to write this review, Kathleen! A fast and easy real estate 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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Patrick Srichaiyan and his team at Waterstone Mortgage Company are 100% professional. They all know there job and do it efficiently with excellent communication. This was the smoothest pre approval to loan secured process for purchasing our...
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Reply from Owner
May 10th, 2022 12:00 AM
Thank you for this review, Tlmalott! 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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Todd's attention to detail and efficiency in keeping the timeline, made us feel comfortable with he and his office quickly. We feel that Todd fights to get us the best product suited for us.We also like that Todd keeps in touch with us; sometimes...
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Reply from Owner
May 3rd, 2022 03:40 AM
Thank you for your kind review, Loretta! Treating my borrowers with the highest level of respect is my number one goal. It was my pleasure to serve you.
This is the second home loan I have done with Patrick at Waterstone Mortgage. I would 100% recommend going with them for your mortgage needs. Very communicative, professional, knowledgeable, and patient with me throughout the processes and...
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Reply from Owner
December 22nd, 2021 12:00 AM
Thank you for this review, Smzettler! We know how many questions pop up throughout the home loan process, that's why communication is key. It's sounds like Patrick went above and beyond, providing answers to all your questions. We hope you...
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Just finished a refinance with Patrick and his team, and the process went so smoothly I didn't even realize we were refinancing! The team was super friendly, communicated with us during every step of the process, and offered fantastic advice...
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Reply from Owner
December 8th, 2021 12:00 AM
Anthony, we appreciate you taking the time to write this review for Patrick and his team. Having a mortgage lending team that communicates every step of the way certainly helps to bring clarity to the refinancing process. We hope you continue...
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Todd, Darlene, and the team at Waterstone Mortgage made it very easy and enjoyable for my wife and I to purchase our first house. The process was extremely smooth from start to finish. Thank you, Todd and Darlene!
Reply from Owner
November 15th, 2021 12:00 AM
Thank you for sharing, Dnlhearn! We're thrilled to hear everything went so smoothly with your homebuying with the help of Todd and his team. We hope to work with you again in the future.
A year we were referred to Patrick at Waterstone Mortgage for financing out mortgage. He did such a fantastic job in securing us financing at a very competitive rate we did not hesitate to go back to him a year later for financing when we decided...
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Reply from Owner
November 7th, 2021 12:00 AM
Thank you for sharing, Irene! We're thrilled to hear everything went so smoothly with your homebuying with the help of Patrick and his team. We hope to work with you again in the future.
Patrick went above and beyond to make selling and buying an incredibly easy and straightforward process. He was on top of all emails and quick to respond if we ever had any questions, even outside of normal business hours. The level of care,...
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Reply from Owner
November 1st, 2021 12:00 AM
Thank you for this glowing review, Santi! 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.
Patient, considerate, always takes time to explain and answer questions in a timely way. Always available. Extremely thorough and honest. HIGHLY RECOMMEND!!!
Reply from Owner
September 16th, 2021 12:00 AM
Thank you for this glowing review, zuser! 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.
Patrick was great. Very responsive to all of our questions. Always available and patient. New his business very well. Made the process easy. I would highly recommend him and would definitely use him again should the need arise.
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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.