Doug Richards
Loan Advisor at Lower · Duluth, GA
NMLS ID 664159 (opens in a new tab) · verify at NMLS Consumer Access
Doug Richards (NMLS 664159) is Loan Advisor at Lower, based in Duluth, GA. Licensed in Florida, confirmed with the state regulator (license LO116733). Also lists Alabama and Georgia on the lender page (not yet checked with the state regulator). Lower also offers FHA loan, First-time buyer, HELOC, Real estate investor and Jumbo loan and 5 more (a lender program, not confirmed as their own focus). Earliest state license record: January 19, 2023 (Florida), per state regulator.
Last verified . Sources: Lower (lower.com), Florida state regulator and NMLS Consumer Access (license status, check live).
- Earliest state license record: January 19, 2023 (Florida), per state regulator
- Works at an FHA-approved lender, per HUD (opens in a new tab)
- 3 states
- Unclaimed profile
- Disciplinary history not yet checked
Specialties
Focus
No focus listed on their lender page yet.
Their lender offers
FHA loan, First-time buyer, HELOC, Real estate investor, Jumbo loan, Non-QM loan, Renovation loan (203k / HomeStyle), USDA loan, VA loan and Vacation home. Programs Lower offers (verified 2026-10-10). Lender-level: not confirmed as Doug's own focus, so ask.
Focus is the loan officer's own: their bio, title, a certification or their own specialty list on their lender page, or what they report. Programs their lender offers are listed separately and never count as their focus in search.
Licensed states
✓ Confirmed with the state regulator: FL (opens in a new tab) (LO116733, first effective 2023-01-19), verified 2026-10-15.
Lender-reported: AL, GA are listed on the lender page, not yet checked with the state regulator.
Contact
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Employment history
Lower NMLS 1124061
Current · Duluth, GA · seen on lender site 2026-10-10
Disciplinary history
Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access (opens in a new tab).
About
Has worked in the mortgage industry since 2000 and is based in Duluth, Georgia, with Team ACOPIA. Describes a focus on clear communication and practical solutions tailored to each borrower's goals.
Our summary of the lender page. Verified 2026-10-10.
Sources
| Name and employer | lender site · lower.com (opens in a new tab) | verified 2026-10-10 |
| Licenses (regulator) | state regulator · real.flofr.com (opens in a new tab) | verified 2026-10-15 |
| Licensed states | lender site · lower.com (opens in a new tab) | verified 2026-10-10 |
| Lender programs | lender site · lower.com (opens in a new tab) | verified 2026-10-10 |
| Summary | lender site · lower.com (opens in a new tab) | verified 2026-10-10 |
| Contact | lender site · lower.com (opens in a new tab) | verified 2026-10-10 |
| Photo | lender site · lower.com (opens in a new tab) | verified 2026-10-10 |
| License status | NMLS Consumer Access (opens in a new tab) | check live |
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Cite as: Doug Richards (NMLS 664159), Lower. LenDb.ai, https://lendb.ai/lo/douglas-richards-664159, last verified 2026-10-15.
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