Todd Manley Richards
Loan Originator | NMLS# 1000086
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
Location & Business Hours
Business Hours
Fri
9 AM to 5 PM
Sat
closed
Sun
closed
View All days
Search Reviews
Search
Write a Review
Overall Ratings
Filter by Date
Range
Filter by Rating
Reviews from Web
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!!
read more
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...
read more
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.
Todd Manley Richards has received a review with 5 star rating from Robert G
Answered all 9001 of our questions with patience and understanding.
Reply from Todd Manley Richards
March 9th, 2026 07:01 PM
It's great to know that I could address your many questions with patience and understanding, Robert. Your inquiry is always encouraged, and I'm here to help whenever you need it. Feel free to reach out at any time if further questions come...
read more
From day one working with Todd has been GREAT. He has been responsive and always keeping us up to date on our progress. Our needs and questions were always answered timely.
Reply from Todd Manley Richards
March 4th, 2026 03:50 PM
I'm grateful for your kind words, Kristina. It's my priority to ensure that you are well-informed and supported throughout the process. If you have any further questions or need assistance in the future, please don't hesitate to reach out.
Great place to work with! Todd and Gina were responsive and supportive
Todd responded right away and Gina also. I appreciated being able to ask all my questions and have their support through this process. Thank you SO much for making the home buying process a breeze!
Reply from Todd Manley Richards
February 20th, 2026 06:06 PM
I'm glad to hear that you found the support helpful, Dax. Your questions are always welcome, and I'm pleased that Gina and I could assist in making your home buying experience smooth. If you ever need further assistance, feel free to reach...
read more
The process was seamless because we had help all along the way making sure that we submitted everything we needed to submit.
Reply from Todd Manley Richards
February 19th, 2026 03:53 PM
I'm pleased to hear that the process was smooth for you, Chandler. It was my goal to provide the necessary guidance and support throughout. If there's anything else I can assist you with, please feel free to reach out.
Todd has been one of our favorite people to work with for years now. He's so helpful, and amazing with giving us all the details and information helping us make the best decision that serve our family.
Reply from Todd Manley Richards
February 19th, 2026 09:26 PM
It's great to know that you found the experience positive, Alison. Providing helpful information and details to aid in decision-making is always my aim. If there's anything further I can do for you, please do not hesitate to get in touch.
Todd was a rockstar lender to work with! He stayed in constant communication throughout the process and got us closed on time with no hiccups!
11–20 of 79
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
Search Rank ScoreLearn More →
What is the Search Rank Score®?
Experience.com’s Search Rank Score measures a professional’s online search visibility across hundreds of key SEO attributes.
Positions
- Waterstone Mortgage - Loan Originator
- Novus Home Mortgage, a division of Ixonia Bank - Loan Originator
Time Zone
Eastern Standard Time (EST)
Licenses
- lo138808
- NMLS# 1000086
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.