Todd Hanley - Senior Loan Officer

06/24/2026

For a lot of retirees, money worry isn't about money — it's about worth. This is the quiet shame that keeps people from asking until it becomes a crisis.
-Planning is not failure.
-You don't need to be afraid — you need to be educated.

06/16/2026

A clear breakdown of Florida's escrow 'payment shock': why mortgage payments are jumping $300–$1,000 a month with no change to your rate — it's your property taxes and homeowners insurance. Includes a free Escrow Shortage Calculator so you can see your number before the letter arrives.

06/08/2026

If you sell condos, August 3, 2026 is going to decide which of your deals actually close.

Fannie Mae and Freddie Mac just rewrote how condo projects get approved — the project review, the reserves, and the insurance. Some of it makes your life easier. Some of it can quietly kill a deal you already shook hands on.

In this 2:40 explainer:
✓ What just got EASIER — small projects (≤10 units), Florida PERS retiring, 50% investor cap gone, flexible insurance
✓ What just got STRICTER — Limited Review sunset on Aug 3, reserves jump 10% → 15%, full reserve study required
✓ The Master-HOA Trap most agents miss — your "easy" 7-unit condo may not be easy at all
✓ The 4 dates to circle: Mar 18 · Jul 1 · Aug 3 · Jan 2027
✓ The HOA docs to grab BEFORE your buyer is under contract

Send me the project name, address, and whether it has a master association, and I'll pre-screen reserves, insurance, review path, and master-HOA issues — before you spend a weekend on a deal that can't close.

🔗 Full field guide + buyer script: themortgage.expert/condo-rule-changes-2026

Educational for real estate professionals. Based on Fannie Mae LL-2026-03 & Freddie Mac Bulletin 2026-C. Not lending, legal, or compliance advice. Equal Housing Lender. Todd Hanley, RICP®, CMA™ — NMLS #1013665 | United Direct Lending NMLS #1749719.

06/06/2026

5.0 star review received on Experience.com for Todd Hanley by Thomas L - Phenomenal! Todd and the team are absolutely expert. Theyvprovided a seemless process from start to finish. No further notes.

Click to see all 119 reviews of Todd Hanley, Senior Loan Officer

06/05/2026

5.0 star review received on Experience.com for Todd Hanley by Alexis L - You went above and beyond to help us. You worked with tom mostly but I heard how great you were from him so that's big! thank you!!

Click to see all 118 reviews of Todd Hanley, Senior Loan Officer

06/04/2026

Cutting through the “Florida is eliminating property taxes” hype—nothing has changed yet. This breaks down what the Save Our Homes amendment actually does, where it stands (headed to the Nov 2026 ballot, needs 60% approval), and the key numbers: the non-school homestead exemption could rise to $150K in 2027 and $250K in 2028, while school taxes stay. Biggest deadline to know: Dec 31, 2026 residency for full benefit. The open question: how local services get funded if governments lose $4.6B+. What’s your biggest concern (or hope) about the funding side?

Todd Hanley, RICP®
Senior Loan Officer
United Direct Lending
NMLS ID # 1013665

06/02/2026

Visit https://www.themortgage.expert/florida-property-tax-amendment to learn more!

05/25/2026

Memorial Day is not a celebration. It is a day of mourning.

Today honors the U.S. service members who died while serving in the armed forces, not those who served and returned home, and not those currently serving. Those days exist, and they are distinct:

▪ Memorial Day (last Monday of May) - honors the fallen
▪ Veterans Day (November 11) - honors all who served
▪ Armed Forces Day (third Saturday of May) - honors those currently serving

Memorial Day traces back to the years following the Civil War, when it was known as Decoration Day. Communities would gather to place flowers and flags on the graves of soldiers killed in battle. Congress declared it a federal holiday in 1971.

In 2000, Congress passed the National Moment of Remembrance Act, asking every American to pause for one minute at 3:00 PM local time, a small act of unified silence for the more than one million Americans who have died in U.S. military service since the founding of the country.

Wherever you are today, at a barbecue, on the road, with family.... please take that minute.

That's what the day is for.

-

The Todd Hanley Mortgage Team
Todd Hanley NMLS #1013665 | United Direct Lending NMLS #1749719

05/20/2026

As a Retirement Income Certified Professional (RICP®) and a licensed Realtor with an active SRES® (Seniors Real Estate Specialist) designation, I specialize in senior lending and aging-in-place strategies with a simple approach: educate first, pressure never. I’m known for being knowledgeable, caring, compassionate, and empathetic throughout the entire process.
And it’s not just a niche—most home buyers and sellers are in the 61+ age range, with Baby Boomers representing the largest share of sellers.⁠
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If you’d like to explore whether a reverse mortgage purchase (or long-term housing strategy) could fit your situation, feel free to message me anytime.

Todd Hanley | Senior Loan Officer
NMLS #1013665
United Direct Lending | NMLS #1749719
5550 Glades Rd, Suite 500, Boca Raton, FL 33431
954-806-5114
Not a commitment to lend. Eligibility, program requirements, and terms vary. This is not financial or legal advice.
Reverse mortgage programs are available to qualified borrowers and are subject to underwriting and property requirements.

Five Florida moves. One product. No required monthly principal-and-interest payment for eligible buyers. A plain-language tour of how seniors are buying their next home in 2026.

05/10/2026