Todd Richards - Lower LLC

Todd Richards - Lower LLC Home loan originator servicing all of Florida. NMLS #1000086 | B.NMLS #2652239
Equal Housing Opportunity Not an offer of credit or a commitment to lend.

Todd M Richards | Loan Officer
NMLS #1000086 | FL
122 W Pine St Suite
#300 Orlando FL 32801
Branch NMLS # 2652239 | Lower LLC #1124061

All loans are subject to underwriting or investor approval. Equal Housing Opportunity

www.nmlsconsumeraccess.org

5.0 star review received on Experience.com for Todd Manley Richards by Michael J G - All of the information was organize...
05/21/2026

5.0 star review received on Experience.com for Todd Manley Richards by Michael J G - 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.

Click to see all 77 reviews of Todd Manley Richards, Loan Originator

4.83 star review received on Experience.com for Todd Manley Richards by Jessica D G - Very communicative and quick r...
05/21/2026

4.83 star review received on Experience.com for Todd Manley Richards by Jessica D G - 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

Click to see all 76 reviews of Todd Manley Richards, Loan Originator

5.0 star review received on Experience.com for Todd Manley Richards by Ashley R - Todd and Gina made the process ve...
05/19/2026

5.0 star review received on Experience.com for Todd Manley Richards by Ashley R - Todd and Gina made the process very easy from start to finish.

Click to see all 75 reviews of Todd Manley Richards, Loan Originator

5.0 star review received on Experience.com for Todd Manley Richards by Laurie C D - Timely responses were appreciated, a...
03/28/2026

5.0 star review received on Experience.com for Todd Manley Richards by Laurie C D - 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.

Click to see all 74 reviews of Todd Manley Richards, Loan Originator

5.0 star review received on Experience.com for Todd Manley Richards by John B - Todd and team were there whenever w...
03/27/2026

5.0 star review received on Experience.com for Todd Manley Richards by John B - 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!

Click to see all 73 reviews of Todd Manley Richards, Loan Originator

5.0 star review received on Experience.com for Todd Manley Richards by Garrett A L - Punctual , great response time , ...
03/09/2026

5.0 star review received on Experience.com for Todd Manley Richards by Garrett A L - Punctual , great response time , knowledgeable, easy to work with all around great experience

Click to see all 71 reviews of Todd Manley Richards, Loan Originator

5.0 star review received on Experience.com for Todd Manley Richards by Kylie G L - Todd and his team were very atte...
03/04/2026

5.0 star review received on Experience.com for Todd Manley Richards by Kylie G L - 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!!

Click to see all 69 reviews of Todd Manley Richards, Loan Originator

5.0 star review received on Experience.com for Todd Manley Richards by Rodney K - Todd made the process easy.
02/28/2026

5.0 star review received on Experience.com for Todd Manley Richards by Rodney K - Todd made the process easy.

Click to see all 67 reviews of Todd Manley Richards, Loan Originator

5.0 star review received on Experience.com for Todd Manley Richards by Robert G - Answered all 9001 of our question...
02/28/2026

5.0 star review received on Experience.com for Todd Manley Richards by Robert G - Answered all 9001 of our questions with patience and understanding.

Click to see all 66 reviews of Todd Manley Richards, Loan Originator

5.0 star review received on Experience.com for Todd Manley Richards by Kristina K - From day one working with Todd has b...
02/25/2026

5.0 star review received on Experience.com for Todd Manley Richards by Kristina K - From day one working with Todd has been GREAT. He has been responsive and always keeping us up to date on our progress. Our needs and questions were always answered timely.

Click to see all 65 reviews of Todd Manley Richards, Loan Originator

Address

Winter Park, FL
32789

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm

Website

http://www.nmlsconsumeraccess.org/

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