Todd Richards at Waterstone Mortgage NMLS #1000086

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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 Renovation loans; as well as 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 son 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. Waterstone Mortgage Corporation (NMLS #186434) is headquartered in Pewaukee, Wisconsin, and is a wholly owned subsidiary of WaterStone Bank SSB (NASDAQ: WSBF). Equal Housing Lender. All loan requests are subject to credit approval and program guidelines. Information published on this site should not be construed as legal advice or credit counseling. Waterstone Mortgage Corporation is not a licensed real estate broker. Any advertisement on this page is an advertisement for real estate financing only and should not be construed as an advertisement for the sale of real estate. Disclosures & Licenses: http://www.waterstonemortgage.com/Disclosures-and-Licenses General Disclaimer: http://www.waterstonemortgage.com/General-Disclaimer