Todd Richards
Sr. Loan Officer
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NMLS ID# 1000086
Contact
Tuesday: 9am – 5pm
Wednesday: 9am – 5pm
Thursday: 9am – 5pm
Friday: 9am – 5pm
About Todd
Todd Richards is a Senior Mortgage Advisor at Lower, leveraging over seven years of industrial management and commercial real estate experience. Specializing in various loan programs, including Conventional, FHA, VA, and Construction loans, Todds expertise earned him the 2017 Loan Officer of the Year award in the Florida Region. A University of Florida graduate, Todd has called Orlando home since 2003, growing up on Floridas Space Coast. Outside of work, he enjoys family time with his wife and three children, sports, travel, and community involvement.
I am licensed in: AL, GA, FL
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.
Michael G.
Verified Customer
May 21, 2026
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
Jessica G.
Verified Customer
May 21, 2026
Todd and Gina made the process very easy from start to finish.
Ashley R.
Verified Customer
May 19, 2026
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.
Laurie D.
Verified Customer
March 28, 2026
Todd and team were there whenever we needed them, to help guide us through all of our needs when purchasing ournforst home. They were very patient with us!
John B.
Verified Customer
March 27, 2026
Great company. Knowledgeable employees. Fast to respond. Very helpful. Would use them every time I purchase a home.
Garrett L.
Verified Customer
March 9, 2026
Punctual , great response time , knowledgeable, easy to work with all around great experience
Garrett L.
Verified Customer
March 9, 2026
Kylie L.
Verified Customer
March 4, 2026
Todd and his team were very attentive and knowledgeable about all aspects of the VA loan process. They answered all correspondence in more than a reasonable amount of time and really took care of our family. Thank you!!
Kylie L.
Verified Customer
March 4, 2026
Todd made the process easy.
Rodney K.
Verified Customer
February 28, 2026
How much house
can I afford?
Fine-tune your payment based on interest, rates, term, and down payment.
Est. Monthly Payment
(P&I, Taxes & Insurance)
Est. Affordable Purchase Price
$1,814.04Rates and estimated payments are based on hypothetical scenarios and are only to be considered for illustrative purposes. Includes estimates for taxes (~1.1% annually), homeowners insurance (~0.5% annually), and PMI (~0.85% annually when down payment is below 20%). Does not include HOA fees. Rates vary and not everyone will qualify for the same rate. Rates are subject to change at anytime.