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
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Reviews from Web
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.
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.
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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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.
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.
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.
I worked with Todd recently as the listing agent on a property where he & Darlene represented the Buyers. Their communication was top notch - weekly updates and never let an email/call go unanswered. Highly recommend!
Reply from Todd Richards - Lower LLC
April 9th, 2021 01:38 AM
Thank you for your recommendation, Brittany! The team and I were thrilled we were able to provide you with a positive 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
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.