Todd Hanley - Senior Loan Officer

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.⁠
⁠​
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

05/07/2026

Most buyers think their mortgage payment is just "the loan." It's not.
-
Your monthly payment is actually four moving parts — Principal, Interest, Taxes, and Insurance (PITI). And in Florida right now, two of those four are doing more damage to buyer budgets than the rate itself.

A few things every buyer should understand before committing to a payment:

→ On a 30-year mortgage, roughly 62% of your first payment goes to interest, not loan paydown.
→ A 1% difference in rate adds up to tens of thousands of dollars over the life of the loan.
→ The seller's tax bill on the listing is almost never what YOUR bill will be — homestead caps reset when the property sells.
→ Florida insurance premiums have climbed enough to push otherwise affordable homes out of reach.
→ Even on a fixed-rate loan, your total payment can change every year when the lender re-analyzes escrow.

I built this page to walk through every component — including the costs that aren't technically part of PITI but absolutely belong in your budget: HOA, PMI, maintenance, and special assessments.
If you're buying or thinking about it, read this before you make an offer. The number that matters isn't the rate — it's the all-in monthly cost of owning the home.

👉 https://www.themortgage.expert/piti-payment-breakdown
Questions? Call me directly: 728-202-8179
—
Todd Hanley, RICP®, CMA™ | Senior Loan Officer
The Todd Hanley Mortgage Team | Powered by United Direct Lending | NMLS #1013665 | UDL NMLS #1749719
Licensed in FL, TX, NJ | Equal Housing Opportunity

For informational purposes only. Not a commitment to lend.

Understand every dollar in your mortgage payment — principal, interest, taxes, insurance, and PMI breakdown.

04/23/2026

5.0 star review received on Experience.com for Todd Hanley by Kurt S - Todd, I just wanted to sincerely thank you for everything you did to help secure my loan for my new condo in Century Village. This process had more than its share of challenges and unexpected obstacles, and you went far above and beyond what anyone could reasonably expect from a loan officer. Reopening the loan multiple times, calling in favors, using your own credits, and staying committed every step of the way speaks volumes about your professionalism and character. I truly don’t have enough words to express how grateful I am for all of your effort, persistence, and support. Thank you again for making this happen.
You will be the first person I recommend to anyone I know is looking to buy a home.

YouYouThe

Click to see all 115 reviews of Todd Hanley, Senior Loan Officer

04/06/2026

A clear guide to HECM reverse mortgages for Florida homeowners 62+. How it works, costs, and heir protections.

03/17/2026

5.0 star review received on Experience.com for Todd Hanley by Romy M - We had an amazing experience working with Todd. We could tell right away how experienced and knowledgable he was and this made us very comfortable throughout the process. Todd was attentive and incredibly responsive even outside typical work hours. We could not have asked for a better experience. We are forever grateful and would definitely recommend him to anyone we know.

Click to see all 114 reviews of Todd Hanley, Senior Loan Officer

02/26/2026

Freddie Mac Weekly Survey shows rates have officially dipped below 6%.

If you're interested in Refinancing -or- Purchasing and would like to remove the guesswork from the process—I'd love to have 5 mins of your time.

02/09/2026

5.0 star review received on Experience.com for Todd Hanley by Martha H - Great job Todd!

Click to see all 111 reviews of Todd Hanley, Senior Loan Officer