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
Amazing experience! Todd and his staff are very professional and come through on everything they promised. From beginning to we were treated like family. He took the time to answer all our questions. Replies were answered immediately every...
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Todd and his team are wonderful to work with from beginning to end. I highly recommend them for any mortgage needs! Very good experience and I would use them again!
Reply from Owner
January 7th, 2021 12:00 AM
Thank you for taking the time to write this review, Mcandh! Providing excellent customer service, throughout the loan process, is always our top priority. We're glad you received nothing but the best from Todd and his team.
Todd Richards was very professional and always called me back when I had questions or concerns as well as give me advice on what is best for me on buying my home. I highly recommend Todd!
Reply from Owner
June 5th, 2020 12:00 AM
Thank you for writing this review! We are very pleased to hear that you had such an excellent experience with Todd! You're right that he is very knowledgeable and exceptional at answering questions! Enjoy your new home! We hope to work with...
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If I was to purchase another house I’d definitely use Waterstone Mortgage again. Todd and his associates were very helpful and easy to work with. Answered my phone calls or returned them right away. Gave advice on things I wasn’t sure of. Helped...
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Reply from Owner
January 30th, 2020 12:00 AM
Thanks for the 5-star review, Chris! We're happy to hear that you had an amazing home loan experience with Todd. We strive to provide a transparent loan process that keeps our customers "in the know." Thank you for entrusting us with your business,...
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Todd is the best! Very attentive and patient. I had a million questions and he answered them all very promptly. He checked in with me often and he was always easily accessible. I really appreciate Todd and i would recommend him to everyone....
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Reply from Owner
January 30th, 2020 12:00 AM
We're glad Todd was able to answer your million questions - after all, that's what we're here for! Thank you for the 5-star review. Enjoy your new home!
We have used Todd for both of our home buying opportunities! He is diligent, knowledgeable and very responsive! Highly recommend if you want someone reliable. Thanks Todd!
Reply from Todd Richards - Lower LLC
January 8th, 2020 02:48 AM
Thank you so much Kat Richardson! Great to work with you again!
When you and your family are going through a process as crazy as buying a house you want someone like Todd helping you every step of the way . Excellent job my friend, you are a true professional and a Master at your craft !
Reply from Owner
September 3rd, 2019 12:00 AM
Thank you for the 5-star review, Jason. Having a trustworthy and knowledgable loan professional on your side certainly makes the mortgage experience streamlined and positive! Enjoy your new home.
Todd was so patient and incredibly quick to get back to me whenever I had questions. I’m grateful that he and his team were my lenders for my first home- I will definitely be back!
Reply from Owner
July 1st, 2019 12:00 AM
We're glad to hear that your home loan experience with Todd was a dream! Helping our clients understand the loan process is a top priority, especially when they're experiencing it for the first time. Enjoy your first home!
Todd was extremely helpful. He answered every question and was so patient with my husband and me. As first time homebuyers, we had a ton of questions and he answered our call everytime. We can't recommend him enough!
Reply from Owner
December 5th, 2018 12:00 AM
Thank you for this review, Jaclyn. We know how many questions first-time homebuyers may have, that is why patience, professionalism and knowledge are key throughout the loan process. We appreciate your recommendation and hope to work with you...
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Todd was great throughout the entire loan process. He always kept in contact and answered all of our question. He also helped us close early under 30 days.
Reply from Owner
August 30th, 2018 12:00 AM
Thank you for the review, Todd. Closing in less than 30 days, wow! We are so happy to hear that you had such a great loan experience with Todd. Consistent communication throughout the loan process is key. Congratulations on your new home!
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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.