Buying a Home? Start With the Loan That Fits.
Answer a few questions and see which purchase strategies may fit, then run the numbers with the same calculators Todd uses.
- FHA, VA, conventional, jumbo and self-employed options
- HECM for Purchase for buyers 62+
- Affordability, closing cost and payment calculators
- Florida property tax and condo guidance
Estimates only. No SSN required for estimates. If you choose to apply, SSN and a hard credit inquiry may be required.
For Homebuyers
Affordability, pre-qualification, and payment analysis
Loan Finder
Answer a few questions and see the loan options you may be a fit for.
Get Pricing for Your Scenario
Answer nine quick questions and we’ll price the programs that fit your scenario against today’s market — no credit check.
Mortgage Affordability
Estimate real buying power using income, debts, down payment, taxes, and insurance.
Afford by Payment
Start with the monthly payment you're comfortable with and see the home price it could support on conventional, FHA and VA loans.
Housing Cost Comparison
Stress-test full PITI against your target housing DTI. Move taxes, insurance, and rate to see exactly where the breaking point lands — built for Florida's insurance reality.
FHA Pre-Qual Calculator
Test FHA purchasing scenarios with low down payment options and flexible credit assumptions.
Temporary Buydown
Compare payment reductions across 2-1 and 3-2-1 buydown structures with total cost breakdowns.
PITI Payment Breakdown
See exactly where every dollar of your mortgage payment goes — principal, interest, taxes, and insurance.
Escrow Shortage Calculator
Understand why your mortgage payment changed and estimate escrow shortages from tax or insurance increases.
Closing Cost Estimator
See exactly how much cash you'll need at closing — including Florida doc stamps, title, escrow, and prepaids.
VA Loan Pre-Qualification
The VA-specific pre-qualification tool for eligible veterans and service members. Entitlement, funding fee, and payment estimate in one place.
Mortgage Check
A quick screen of your loan scenario — payment, down payment, credit tier, DTI band — so you know where you stand before you start shopping.
Guides for homebuyers
Plain-English answers before you commit.
Looking for something else?
Why People Start Here
Most mortgage sites hand you one product and a rate ad. This one starts with your situation, shows you every loan that fits it, and gives you the tool to check the numbers yourself before you talk to anyone.
Real-World Logic
Built around how mortgage decisions actually work in practice — not simplified formulas.
Better Scenario Planning
Compare down payments, buydowns, refinance structures, cash flow models, and more.
Designed by a Pro
These tools come from real lending experience — not a generic software template.
Built for Clarity
The goal isn't to overwhelm you. It's to help you understand your options faster.
Why Work With the Todd Hanley Mortgage Team?
Access to multiple lenders. A vast selection of the most sought-after products. The knowledge, technology, and systems to deliver unmatched service for every type of need.
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.