PREFERRED WEMERT GROUP REALTY PARTNER
Lower Mortgage Orlando is a leading group of mortgage advisors committed to helping individuals and families achieve their homeownership goals through personalized service, innovative lending solutions, and a seamless mortgage experience.
Led by Branch Managers Kevin Murphy and Patrick Srichaiyan, the Orlando office brings decades of combined industry expertise together with a relationship-focused, client-first approach. The Lower Mortgage Orlando brand is built on trusted guidance, clear communication, and customized financing solutions designed to support homebuyers, homeowners, and real estate professionals throughout Central Florida and beyond.
Known for professionalism, responsiveness, and a commitment to simplifying the mortgage process, Lower Mortgage Orlando strives to create a smooth, transparent, and successful experience for every client and referral partner they serve.
MEET YOUR LOWER TEAM
Kevin Murphy
Branch Manager, VP
[email protected]
(407) 461-9900
NMLS ID# 1006712
ABOUT KEVIN:
Kevin Murphy Branch Manager, VP | NMLS ID# 1006712 Top 1% Mortgage Originator in America Licensed in FL, SC, TX, GA & NC Kevin Murphy is a seasoned Mortgage Advisor and Top 1% Mortgage Originator with over a decade of industry experience and a passion for helping families achieve their homeownership goals with confidence. A proud University of Florida graduate with a degree in Finance, Kevin has helped more than 1,000 families navigate the mortgage process through personalized guidance, creative financing solutions, and a relationship-driven approach that clients and Realtor partners value. After a successful 12-year career with Waterstone Mortgage, Kevin joined Lower Mortgage in 2024 to bring a more innovative, streamlined, and client-focused lending experience to the market. Known for his responsiveness, transparency, and ability to simplify complex scenarios, Kevin is committed to making every transaction feel smooth from start to finish. Outside of the mortgage world, Kevin enjoys traveling with his wife, discovering new local restaurants as a true foodie, spending time at Disney, and cheering on Orlando City Soccer Club. His approachable personality and genuine passion for people make him a trusted resource both professionally and personally.
Patrick Srichaiyan
Branch Manager, VP
[email protected]
(321) 794-0933
NMLS ID# 1240386
ABOUT PATRICK:
Top 1% Mortgage Originator in America Licensed in FL, TX, GA & MI Patrick Srichaiyan is a Certified Mortgage Advisor and Top 1% Mortgage Originator known for delivering a high-level client experience built on trust, communication, and personalized guidance. With over a decade of mortgage experience, Patrick is passionate about helping families navigate the path to homeownership with confidence by providing creative financing solutions tailored to each client’s unique goals and needs. As a graduate of the University of Central Florida with a degree in Business Administration, Patrick combines industry expertise with a relationship-first approach that both clients and Realtor partners value. At Lower Mortgage, he is committed to simplifying the mortgage process and making every transaction feel smooth, transparent, and rewarding from start to finish. Whether clients are purchasing their first home, refinancing, or exploring new opportunities, Patrick works hard to ensure they feel informed and supported every step of the way. Outside the mortgage world, Patrick is the founder of a nonprofit youth travel baseball and softball organization that creates opportunities for young athletes and families throughout Central Florida. He also enjoys spending time at Disney with his family, supporting his kids at the ballfield, and building meaningful relationships both personally and professionally. Patrick believes homeownership is more than just a transaction. It’s a milestone, and he is dedicated to helping clients turn their goals into reality.
Todd Richards
Senior Loan Officer
[email protected]
(407) 680-5717
NMLS ID# 1000086
ABOUT TODD:
Todd Richards Senior Mortgage Advisor Licensed in AL, GA & FL Todd Richards is a Senior Mortgage Advisor at Lower with a diverse background in mortgage lending, industrial management, and commercial real estate. With over seven years of industry experience, Todd specializes in a wide range of loan programs, including Conventional, FHA, VA, and Construction loans, helping clients navigate the financing process with confidence and clarity. His commitment to exceptional service and results earned him the 2017 Loan Officer of the Year award for the Florida Region. A proud University of Florida graduate, Todd has called Orlando home since 2003 after growing up on Florida’s Space Coast. Known for his approachable personality, strong work ethic, and relationship-focused approach, Todd is passionate about helping clients and Realtor partners achieve smooth, successful transactions from start to finish. Outside of work, Todd enjoys spending time with his wife and three children, traveling, following sports, and staying involved in the local community. His balance of professionalism and personable energy makes him a trusted resource for both clients and referral partners alike.
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Disclaimer:
Equal Housing Lender
Advertised offers are not guaranteed if you do not continue to meet Lower’s criteria and other factors bearing on your creditworthiness. Rates will vary depending on your loan term, loan type, credit profile & score, down payment, qualifying ratios, and property collateral. Monthly payments do not include property taxes, property insurance, and homeowners’ association dues. Since costs can vary based on a loan program, closing costs are not shown in the examples. To qualify for a mortgage, borrowers must be U.S. citizens or permanent residents, and meet Lower’s underwriting and Investor requirements. Interest rate examples are as of 05/29/2026 and subject to change without notice. All loans are subject to underwriting or investor approval. Other restrictions may apply. This is not an offer of credit or a commitment to lend. Rate subject to change depending on time of lock.
© 2025 Lower, LLC | NMLS#1124061 | www.nmlsconsumeraccess.com | Conducts business in 47 States to include the District of Columbia. Alabama, Alaska, Arizona – License #1000936, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky (Lower.com, LLC), Louisiana, Maine, Maryland, Massachusetts Mortgage Broker License — MC1124061 | Massachusetts Mortgage Lender License — MC1124061, Michigan, Minnesota, Mississippi, Missouri, Montana (Lower.com, LLC), Nebraska, New Hampshire, New Jersey, New Mexico, Nevada, North Carolina, North Dakota, Ohio, Oklahoma (Lower Mortgage, LLC), Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Washington (Lower.com, LLC), West Virginia, Wisconsin, and Wyoming.
Home lending products offered by Lower | NMLS #1124061 | 5950 Symphony Woods Road, Suite 312, Columbia, MD 21044 | nmlsconsumeraccess.org | equal housing opportunity
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