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Todd

Todd Richards

Sr. Loan Officer

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NMLS ID# 1000086

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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

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can I afford?

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Est. Monthly Payment
(P&I, Taxes & Insurance)

$1,814.04
Loan Term

Rates 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.


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