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
Location & Business Hours
Business Hours
Wed
9 AM to 5 PM
Thu
9 AM to 5 PM
Fri
9 AM to 5 PM
View All days
Search Reviews
Search
Write a Review
Overall Ratings
Filter by Date
Range
Filter by Rating
Reviews from Web
Todd was very helpful,he answered all questions got us approved for loan in no time .Todd was awesome to work with he even came to closing for our first home. If your looking for someone honest and knowledgeable choose Todd with waterstonemortgage,...
read more
Todd did a great job I'm getting all my paper work handeld in a very timely mater and was able to answer all my questions! I will be referring Todd tommy friends and family.
Really enjoyed working with Todd on the mortgage application process. He was easy to work with and made the process smooth. Very responsive when with my questions and helped me decipher all the paperwork.
Todd was extremely helpful throughout the entire home purchasing process.He was responsive and helped clarify any questions I had. Todd made the entire process easy, he is a TRUE PROFESSIONAL!Thank you Todd!
Todd Richards is a true professional and would definitely recommend! He did an excellent job throughout the whole process! A 5 star rating for sure! Thanks Todd for our new house!
Todd made it possible to purchase the home I wanted that I didn't think would be possible. Everytime I texted or called Todd he responded within minutes. I was so impressed with his urgency, making me feel I was very important to him. I would...
read more
Todd was extremely helpful during the entire process and always available to answer any questions I had. I live two hours away from Todd's office and chose to go with him over a more local broker because of his professionalism, knowledge, and...
read more
Todd is very professional, dependable and was always accessible during the entire mortgage loan process. We would recommend Todd for anyone interested in a new mortgage loan.
Todd kept me up to date throughout the whole process and was able to complete every step of my purchase online which was very helpful since I was relocating to orlando from another city. The electronic signature of all the necessary documents...
read more
71–79 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
Search Rank ScoreLearn More →
What is the Search Rank Score®?
Experience.com’s Search Rank Score measures a professional’s online search visibility across hundreds of key SEO attributes.
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.