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Todd Manley Richards - Loan Originator | NMLS# 1000086 in Orlando, FL

Todd Manley Richards

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Loan Originator | NMLS# 1000086

Lower Mortgage - Orlando
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
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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5 Star
99%
4 Star
1%
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Reviews from Web
  • Zillow
    L
    Ltp1142
    Orlando, FL
    Posted on January 12th, 2015 12:00 AM
    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
    • 81–81 of 81
    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.