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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Todd Richards is a great! He worked with us every step of the way. He kept us informed and always followed through with keeping lines of communication open and responding to our concerns in a timely manner.

Reply from Owner

June 29th, 2017 12:00 AM

Thank you for your review! We are thrilled that Todd was able to facilitate a smooth lending process for you. Open communication and quick responses can make such a difference. We hope to see you soon!

Todd Richards@Waterstone Mortgage is the ultimate professional. He has superb business acumen. Todd also responds to inquiries in a very timely manner. I highly recommend Todd to anyone seeking a great home buying experience. Thank you Todd...

Todd made buying our first home so easy and stress free! He was extremely informative and he was always available to us when we had questions. My husband Jon and I would definitely recommend working with Todd!

Todd and his team are just awesome. This was my first time buying a home so I was very unsure of what to expect and had a million questions. Todd and his team answered every single one. I never waited more than an hour for any answers. Even...

Reply from Owner

March 14th, 2017 12:00 AM

Wow! Thank you so much for sharing your story! We are so pleased to hear about your amazing first home purchase with Todd and his team. We pride ourselves in providing excellent customer service and a quick loan process. Don't be a stranger!...

Could not of been any happier with Todd. He was knowledgeable and patient as we went through several different types of loans and scenarios to determine what was the best one for me. Todd was always timely with communication whether it was...

Throughout the entire process Todd and his team were professional, helpful and responsive. Could not imagine better service. Todd was always patient and anticipated questions and described next steps in advance without being asked. Would certainly...

Todd went above and beyond to help me! I really appreciate all his hard work towards helping me accomplish the purchase of my home. Always answered my questions right away and the loan was approved in no time.

Todd and his staff were very responsive and professional thru the mortgage approval process. My wife and I have not needed a mortgage for approximately 20 years and the process has changed considerably. Todd did everything possible to minimize...

Todd helped me develop a strategy on the purchase of my second home. He basically held my hand from the beginning of the engagement through closing. I highly recommend Todd to anyone who is looking to purchase a home, he will help you understand...

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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.