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

Wed

9 AM to 5 PM

Thu

9 AM to 5 PM

Fri

9 AM to 5 PM

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4.98

(79)

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5 Star

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Very attentive and helpful with all my needs. Always available and willing to help with the process as well as very personable. As. First time buyer it was quite stressful at times during this process, but Todd and others at Waterstone Mortgage...

Reply from Owner

July 12th, 2018 12:00 AM

Thank you for the great review. Buying a home can be stressful, especially the first time around. We're glad to hear that Todd and his team were friendly and were able to thoroughly explain each step of the loan process. Congratulations on...

Todd Richards is so helpful and has a way of explaining things and getting your paperwork done and fast ,It was a pleasure to do business with Todd and his team ,I would recommend them to anyone they are the best and it is not my first time...

Reply from Owner

June 4th, 2018 12:00 AM

Thank you for the review. We're pleased to hear that Todd and his team were able to explain things clearly during the loan process. Enjoy your new home.

2nd time Todd and Waterstone have helped me purchase a home. Great service, great communication, on time closing, and no surprises. Will definitely use again in the future.

Reply from Owner

May 31st, 2018 12:00 AM

Thank you for the review, Chris. We're glad you chose to work with Todd and Waterstone Mortgage again for your homebuying needs. We hope to work with you again in the future!

Todd was extremely helpful during the entire process of finding a new house and purchasing. He was always available and responded very quickly any time I had a question. He explained everything in detail and did everything he could to help....

Reply from Owner

April 16th, 2018 12:00 AM

Thank you, Michelle, for the 5-star review! It sounds like you had an exceptionally positive experience with Todd. Having a loan originator who takes the time to ensure you understand the loan process makes everything easier. Stay in touch!...

Mr. Richards was extremely helpful and gave me all the information that we needed. He gave us step by steps updates. He is extremely professional and we got first class service. I am definitely recommending him to others and I will use him...

Todd was incredible to work with. He was so helpful and really made everything run smoothly. He broke things down and was not overwhelming. It was my first time purchasing a home and he made sure I understood everything. Any questions that...

Todd was amazing. He was always on top of everything. He explained everything clearly without coming off as overwhelming. He really knew what he was doing.

Reply from Owner

November 8th, 2017 12:00 AM

Thank you for your review! A loan originator like Todd that's on the ball and walks you through the mortgage lending process with ease is definitely an ideal candidate to work with. We're so glad you experienced just that! We hope to see you...

Very smooth process..and surprisingly very easy. I had no idea what was in store, purchasing my very first home..had I know it was this easy, I would have done it way sooner! Very little money out of pocket which was great. Definitely recommend!...

Reply from Owner

October 31st, 2017 12:00 AM

Congratulations on the purchase of your first home! We are thrilled to hear Todd and his team did such a great job.

My lender was very responsive, helpful, prompt, and provided great service. I would definitely recommmend him to other homebuyers, and would use his services again should I purchase another home.

Reply from Owner

October 19th, 2017 12:00 AM

Thank you. We are glad to hear you found Todd to be so helpful during the purchase of your home.

Todd was on top of things from the beginning. I appreciated that I rarely needed to reach out to him because he was proactively reaching out to me throughout the entire process. When I did have a question, he was very responsive.

Reply from Owner

October 19th, 2017 12:00 AM

Proactive communication is so important throughout the mortgage process. We are happy you had a great experience working with Todd and we hope to work with you again in the future!

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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.