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Todd Richards

Loan Officer

NMLS # 1000086

801 International Parkway, Suite 500

Lake Mary, FL 32746

trichards@novushomemortgage.com

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About Todd

Todd Richards is a Senior Mortgage Adviser at Novus Home Mortgage, leveraging over seven years of industrial management and commercial real estate experience. Specializing in various loan programs, including Conventional, FHA, VA, and Construction loans, Todd's 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 Florida's Space Coast. Outside of work, he enjoys family time with his wife and three children, sports, travel, and community involvement.

Loans Offered

Novus Home Mortgage, a division of Ixonia Bank, offers the most diverse set of loan products in the industry. No matter what situation you may face, we set you up for one thing: to help a family get into a home. Novus Home Mortgage has the product mix for every customer.

Open All Close All

Conventional

Direct Freddie Mac
FNMA Direct
Freddie Home Possible
Fannie Mae HomeReady
Aggregators and Minimum FICO 620

Government

FICO 620
FHA Purchase & Streamline
FHA Standard
VA Standard
FHA High Balance
VA High Balance
USDA
VA Purchase & IRRL
Jumbo
Fixed Loan Programs

Jumbo Loan Investors

Chase
Pen Fed
US Bank
Bayview

Happy woman sitting at a table with a laptop

Loan Officers

Our dedicated team of loan officers works to create a streamlined process from application to closing. Loan officers are committed to understanding a customer’s long-term and short-term goals, and they will create a lending experience designed specifically for you.

Meet THE TEAM

The dedicated team of support staff works to create a streamlined process from application to closing. They are committed to understanding a customer’s long-term and short-term goals, and they will create a lending experience designed specifically for you.

SIMPLE. DIGITAL. OUR 5-STEP LOAN PROCESS.

Make your homeownership dreams a reality when you work with our experienced loan officers. Follow our step-by-step guide from your loan pre-approval, home search with your realtor, home appraisal, and insurance process to your mortgage close. These 5-steps layout the mortgage loan process to owning your new home and opening the door to a new world of possibilities.

GET PRE-APPROVED

FIND YOUR DREAM HOME

INSPECTION AND APPRAISAL

FINAL MORTGAGE APPROVAL

CLOSE ON YOUR NEW HOME

Don't Just Take Our Word For It.

Questions? Ask Todd!

NMLS # 1000086

Lake Mary, FL 32746

trichards@novushomemortgage.com

Get Started With Todd Richards

Todd Richards is a Senior Mortgage Adviser at Novus Home Mortgage, leveraging over seven years of industrial management and commercial real estate experience. Specializing in various loan programs, including Conventional, FHA, VA, and Construction loans, Todd's 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 Florida's Space Coast. Outside of work, he enjoys family time with his wife and three children, sports, travel, and community involvement.

Have Questions?
WE Have Answers.

(844) 337-2548
info@novushomemortgage.com