Todd Manley Richards

Name: Waterstone Mortgage
Address: 1310 East Robinson Street, Orlando, Florida, 32801
Telephone: +1-407-680-5717
Rating: 4.98

Loan Originator | NMLS# 1000086

Lower Mortgage - Orlando

4.98

(79)

Mortgage

Mortgage Loan Officer

Contact Info

(407) 680-5717

Orlando, FL

https://www.lower.com/lo/trichards

Location & Business Hours

Business Hours

Fri

9 AM to 5 PM

Sat

closed

Sun

closed

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4.98

(79)

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This was our very first home purchase as we are a retired Air Force family/ disabled veteran, with special needs kiddos..and to say that we were nervous and overwhelmed is an understatement! We originally worked with a mortgage company that...

The minute I called Todd and told him my intensions to refinance, he was with me from start to finish listening to my concerns and incorporating those concerns into all decisions. That kind of attention help my refinancing to proceed very smoothly...

Todd has been my go-to Mortgage Broker for over 10 years! I believe we have worked on four different properties together including owner occupied and investment property loans. Todd is hardworking, trustworthy, and very easy to work with. His...

Very very knowledgeable of the mortgage industry and willing to help any time of day.

Reply from Owner

November 28th, 2023 09:59 AM

Thank you for your kind review, Scott! Treating my borrowers with the highest level of respect is my number one goal. It was my pleasure to serve you.

Todd was amazing the whole time. Definitely recommended for any of your mortgage needs.

Reply from Owner

October 2nd, 2023 11:05 AM

Thank you for your kind review, Devin! Treating my borrowers with the highest level of respect is my number one goal. It was my pleasure to serve you.

There is no World Class customer service without Mr. Todd Richards. Mr Richards assisted me with purchasing my first home and made it stress free. He was efficient, communicative, and transparent. He answered all my questions and concerns....

Reply from Owner

September 20th, 2023 11:45 AM

Thank you for taking the time to write this review, Carmelo! Providing excellent customer service, throughout the homebuying process, is always my top priority. I am glad we were able to provide you with a positive homebuying experience and...

Todd has helped us with refinancing and the purchase of our new home. Great experience from start to finish!

Reply from Owner

August 7th, 2023 11:52 AM

Thank you for taking the time to write this review, Heather! A fast and easy refinancing and homebuying is not possible without the help of a knowledgeable, professional loan originator. I appreciate your feedback and hope you'll return to...

Todd and his team are fantastic and great to work with! Our house build/purchase was more than complicated, and Todd made our experience very easy to understand, answered all of our questions and was overall extremely helpful. Thanks again,...

Reply from Owner

June 22nd, 2023 04:56 PM

Thank you for your review, Hannah! The team and I were thrilled we were able to provide you with a positive homebuying experience. We look forward to working with you again when the time to refinance or buy a new home is right. Keep in touch....

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...

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.

21–30 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

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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.