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A Message from Todd
Todd Richards
I am a Senior Mortgage Advisor with Waterstone Mortgage. I joined Waterstone Mortgage in 2012 after seven years of industrial management and one year as an associate in commercial real estate.

I am knowledgeable in Conventional, FHA, VA, Medical Professional, and Construction loans and the Florida down payment assistance program through Florida Housing. I was honored to receive the 2017 Loan Officer of the Year Award for the Waterstone Mortgage Florida region.

I have lived in Orlando since 2003 and graduated from the University of Florida, where I earned my degree in Business Administration. I grew up on the Space Coast of Florida in Brevard County as a true central Florida native. In my spare time, I cannot get enough of spending time with my wife and sons in our beautiful part of Orlando while enjoying all that the coast has to offer with my family and friends. I enjoy sports, travel, outdoor activities, and community involvement.
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