Nina P. rated Todd Richards 5.0 stars: Todd has been my go-to Mortgage Broker for over 10 years! I believe we have worked on four different properties together including owner occupied and investment property loans. Todd is hardworking, trustworthy, and very easy to work with. His communication throughout the loan process is top notch and I know he has my husband and I's best interests at heart when finding us a competitive rate. I am looking forward to 10 more years of working together and I highly recommend his services! Sue J. rated Todd Richards 5.0 stars: This was our very first home purchase as we are a retired Air Force family/ disabled veteran, with special needs kiddos..and to say that we were nervous and overwhelmed is an understatement! We originally worked with a mortgage company that specifically states they work with veterans..we were so shocked and disappointed that they were really horrible. So I looked on my own for a local realtor (who is also a God send) and she put us in contact with Todd Richards for our mortgage.. What was once a very scary and overwhelming process was made so much easier and peaceful because of Todd and his team! They held our hand every step of the way, put up with my crazy and never-ending questions and concerns, were always so helpful and nice, they gave us the inside information on what to expect and when paperwork was not completed, they would always send a gentle reminder. They are available for their clients and their professionalism and true dedication to service is evident! We could not have done this huge process without Todd and his team and we will continue to use him/his services for our refinancing as well! If you are looking to purchase or refinance a home, you must give him a call! He truly has the clients best interest at heart and is so down to earth! And no matter which company he works with, we know we can always contact him for refinance or other questions/concerns. A blessing that we will forever be grateful for-Thank you so much Todd!! Tammy B. rated Todd Richards 5.0 stars: Todd was a rockstar lender to work with! He stayed in constant communication throughout the process and got us closed on time with no hiccups! Dax O. rated Todd Richards 5.0 stars: Great place to work with! Todd and Gina were responsive and supportive Robert G. rated Todd Richards 5.0 stars: Michael G. rated Todd Richards 5.0 stars: All of the information was organized and explained clearly. Also everything was completed very timely. We would definitely work with Todd and his team again. Ashley R. rated Todd Richards 5.0 stars: Todd and Gina made the process very easy from start to finish. Jessica G. rated Todd Richards 4.83 stars: Very communicative and quick responses to questions with answers that were understandable and thorough. Also sent friendly reminders to finish paperwork on time which was great with my busy schedule Laurie D. rated Todd Richards 5.0 stars: Timely responses were appreciated, as we were hoping to close on our new home quickly. Todd explained the steps in our first phone call and we felt well taken care of. We recommended him and Lower to relatives moving to our area. Kylie L. rated Todd Richards 5.0 stars: