Todd Manley Richards
Loan Originator
I am a Senior Mortgage Adviser with Lower, LLC. I have been in the mortgage industry for 12 years after seven years of industrial management and one year as an associate in commercial real estate. I am knowledgeable in Conventional, FHA, VA...... Show More
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Business Hours
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9 AM to 5 PM
Fri
9 AM to 5 PM
Sat
closed
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Reviews from Web
All of the information was organized and explained clearly. Also everything was completed very timely. We would definitely work with Todd and his team again.
Reply from Todd Manley Richards
May 28th, 2026 08:37 PM
Thank you, Michael. I'm glad to hear that the information was clear and everything was completed in a timely manner. I look forward to the opportunity to work with you and your team again in the future.
Very communicative and quick responses to questions with answers that were understandable and thorough. Also sent friendly reminders to finish paperwork on time which was great with my busy schedule
Todd and Gina made the process very easy from start to finish.
Reply from Todd Manley Richards
May 26th, 2026 02:49 PM
I'm pleased to hear that Gina and I could make the process easy for you, Ashley. If there's anything else you need or any questions arise, please feel free to reach out.
Timely responses were appreciated, as we were hoping to close on our new home quickly. Todd explained the steps in our first phone call and we felt well taken care of. We recommended him and Lower to relatives moving to our area.
Reply from Todd Manley Richards
March 30th, 2026 12:51 PM
Thanks Laurie, glad we could help!
Todd and team were there whenever we needed them, to help guide us through all of our needs when purchasing ournforst home. They were very patient with us!
Reply from Todd Manley Richards
March 27th, 2026 01:25 PM
Thank you so much, it was great working with you too!
Great company. Knowledgeable employees. Fast to respond. Very helpful. Would use them every time I purchase a home.
Reply from Owner
March 27th, 2026 01:25 PM
Thank you so much, it was great working with you too!
Punctual , great response time , knowledgeable, easy to work with all around great experience
Reply from Todd Manley Richards
March 16th, 2026 03:15 PM
I'm glad to hear that you had a positive experience, Garrett. Ensuring promptness and being easy to work with are important to me, so it's satisfying to know that these aspects stood out to you. If you need any assistance in the future, please...
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Todd Manley Richards has received a review with 5 star rating from Kylie L
Reply from Owner
March 27th, 2026 01:25 PM
Thank you so much, it was great working with you too!
Todd and his team were very attentive and knowledgeable about all aspects of the VA loan process. They answered all correspondence in more than a reasonable amount of time and really took care of our family. Thank you!!
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Reply from Todd Manley Richards
March 11th, 2026 03:59 PM
I appreciate your feedback, Kylie. It's important to me that you felt well-supported and informed throughout the VA loan process. I'm glad that my team and I could assist your family effectively. If you have any more questions or need anything...
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Todd made the process easy.
Reply from Todd Manley Richards
March 9th, 2026 06:36 PM
I'm pleased to hear that I could make the process easy for you, Rodney. If there's anything more you need or any questions arise, feel free to reach out.
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About
I am a Senior Mortgage Adviser with Lower, LLC. I have been in the mortgage industry for 12 years after seven years of industrial management and one year as an associate in commercial real estate. I am knowledgeable in Conventional, FHA, VA, Construction loans, Medical Professional loans and the Florida bond program through Florida Housing. I was honored to receive the 2017 Loan Officer of the Year award for the Waterstone Florida region. I have lived in Orlando since 2003 and graduated from the University of Florida, where I earned my degree in Business Administration and grew up on the Space Coast of Florida in Brevard County as a true central Florida native.
Products & Services
Mortgage Loan Officer
Conventional Home Loan
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Positions
- Waterstone Mortgage - Loan Originator
- Novus Home Mortgage, a division of Ixonia Bank - Loan Originator
Time Zone
Central Standard Time (CST)
Licenses
- nmls # 1000086
- lo138808
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.