Meet Todd Hanley, RICP® The Person Behind the Numbers.
Over 20 years in financial services. A retirement income credential most loan officers don’t hold. One goal: making sure you get the right loan, with total clarity on why it fits.
- RICP® (Retirement Income Certified Professional)
- 20+ years in financial services
- Featured in The Wall Street Journal
- Licensed in Florida, Texas and New Jersey
Todd Hanley, RICP® · Boca Raton, FL
More Than a Rate Sheet
With more than 20 years in financial services, Todd Hanley brings experience that goes well beyond rate sheets and loan applications. His career has spanned retirement income planning, insurance and mortgage lending, so he looks at how a mortgage fits into your whole financial picture, not just this month’s payment.
Todd holds the RICP® (Retirement Income Certified Professional) designation from The American College of Financial Services, a credential usually held by financial advisors, not mortgage originators. It matters most for clients weighing a reverse mortgage, a downsizing move, or a refinance in retirement.
As a Non-QM specialist, Todd also helps investors, business owners and self-employed borrowers get financed when a traditional bank says no, including DSCR investor loans, bank statement programs and asset-based qualification.
Featured in The Wall Street Journal
Todd was referenced for his analysis of the Freddie Mac Primary Mortgage Market Survey, explaining how staggered lender response timing can misrepresent actual rate conditions and confuse consumers.
Referenced in a prior role. Not an endorsement.How Todd Works
Better information leads to better mortgage decisions. Every tool, conversation and recommendation is built around three principles.
Numbers before the pitch
Todd built and maintains the free calculators on this site, covering affordability, refinance breakeven, DSCR, reverse mortgage proceeds and more. You see the math before anyone asks for your information.
Compliance first
Every quote, calculator and guide carries the required disclosures and spells out its assumptions. No terms hidden in fine print.
Education focused
How mortgage pricing actually works, what moves rates, and why your scenario may differ from national averages. An informed borrower is a confident borrower.
How the Strategy Finder and calculators work
- The Strategy Finder matches your answers (goal, age, occupancy, military service, credit range and equity) against general loan program eligibility rules, then ranks the options that may fit.
- It never pulls credit, never asks for your SSN, and doesn’t show rates or payments. Results are educational, not an offer or commitment to lend.
- Each calculator shows estimates based on the inputs and assumptions on its page. Your actual terms depend on lender guidelines, current pricing and full underwriting.
What Clients Say
Verified client reviews, powered by Experience.com.
“Todd is a consummate professional that guided and advocated for me, an active duty military member, through my first home-purchasing experience. He is extremely knowledgeable, patient, and timely with his actions, including matching very competitive loan offers from other lenders.”
“Todd has earned my highest recommendation. He has helped me close on two houses and sell one house. Working with Todd is a pleasure — with his patience, expertise and guidance he makes you feel like family.”
“Todd is the best! Took what seemed like a very complicated and nearly impossible ask and turned it into 2 very happy parents moving into their new condo. Very attentive and leaves no stone unturned.”
Individual results vary. Reviews reflect the experience of specific clients and are not a guarantee of future outcomes, loan approval or specific terms.
Available 7 days a week. Monday–Friday 8am–9pm · Saturday + Sunday 9am–9pm
Rather Just Talk It Through? Skip the Questions.
Fifteen minutes with Todd covers what a quiz can't: your credit, your timeline, and the trade-offs between the options that fit.