Already Own Your Home? Put Your Equity to Work.
Lower your payment, restructure your loan or tap your equity. See how a HELOC, a fixed home equity loan and a cash-out refinance compare for your numbers.
- HELOC vs. fixed home equity loan vs. cash-out, side by side
- Keep-your-low-rate strategies first when they fit
- Reverse mortgage options for homeowners 62+
- Refinance breakeven and debt payoff calculators
Estimates only. No SSN required for estimates. If you choose to apply, SSN and a hard credit inquiry may be required.
Existing Homeowner Calculators
Refinance analysis, savings tools, and net proceeds calculators
HELOC & Home Equity Loans
Tap your equity for cash without giving up your low first-mortgage rate. Compare a HELOC vs. a fixed home equity loan.
Smart Refinance Calculator
Compare your current rate to a refinance scenario with monthly savings and breakeven timing.
Multi-Benefit Refinance
Analyze payment savings, 12/24-month balance forecasts, and closing cost impact in one view.
Refinance Wizard
Answer seven quick questions and see what a refinance could do for you: lower payment, consolidate debt, cash out, or pay off faster.
FHA UFMIP Refund Calculator
Calculate your potential UFMIP refund when streamline refinancing within 36 months of your FHA closing.
Florida Net Seller
Estimate what you'll actually walk away with after commissions, taxes, title, and payoffs.
HELOC + HELOAN Finder
Answer 7 quick questions — we'll rank the home-equity products that fit your situation. HELOC, HELOAN, piggyback, bank-statement, or reverse 2nd lien.
Condo Financing Check
Screen a specific Florida condo against the 2026 lending rules before you make an offer. Submittable in under 60 seconds.
Guides for homeowners
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.