Terms and Conditions

Last Updated: March 2026

1 Acceptance of Terms

By accessing, browsing, or using this website and any of the mortgage calculator tools hosted on it (collectively, the "Site"), you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, you should discontinue use of the Site immediately. Your continued use of any page, tool, or feature on this Site constitutes your acceptance of these terms in their entirety.

2 Description of Service

This Site provides a collection of interactive mortgage calculators designed for educational and informational purposes. These tools allow you to input hypothetical financial scenarios and receive estimated outputs related to mortgage payments, refinancing, debt service coverage, and other lending topics.

3 No Lending Relationship Created

Accessing or using the calculators on this Site does not establish a lender-borrower relationship, a fiduciary relationship, or an advisory relationship between you and Todd Hanley Mortgage Team, United Direct Lending, or any affiliated entity. All calculator outputs are intended solely as educational estimates to help you explore general mortgage concepts. No information presented by these calculators should be interpreted as personalized financial advice or a binding offer.

To receive an actual mortgage quote, rate, or approval, you must submit a formal loan application and undergo a complete underwriting review through the appropriate channels.

4 Accuracy of Information

While we strive to maintain accurate formulas and up-to-date calculation methodologies, the results produced by these calculators are estimates only. They are generated based on the data you enter and certain simplifying assumptions built into each tool. Actual mortgage rates, monthly payments, qualification requirements, closing costs, and loan terms will vary based on your complete financial profile, current market conditions, lender guidelines, and the specific loan program for which you apply.

Todd Hanley Mortgage Team and United Direct Lending make no representations or warranties regarding the accuracy, completeness, or reliability of calculator results. We are not responsible for any financial decisions, actions, or outcomes that result from your reliance on calculator estimates presented on this Site.

5 Calculator Limitations

The calculators on this Site are subject to the following limitations, which you should consider before interpreting any results:

• Monthly payment figures typically reflect principal and interest (P&I) only and generally do not include property taxes, homeowners insurance, HOA dues, flood insurance, private mortgage insurance (PMI), or FHA/VA funding fees unless a specific calculator states otherwise.
• Closing cost figures, where shown, are rough estimates based on general industry ranges and may not reflect the actual costs associated with your transaction.
• Interest rates used in calculations are either user-provided examples or sample rates for illustrative purposes. They are not guaranteed quotes, locked rates, or offers from any lender.
• Qualification estimates, if provided, do not account for credit history, employment verification, asset documentation, or other underwriting requirements that materially affect loan eligibility.
• Investment property and rental income projections are hypothetical scenarios and do not guarantee actual cash flow, occupancy rates, or property appreciation.

6 Intellectual Property

All content, visual designs, layouts, calculator logic, branding elements, logos, text, images, and other materials displayed on this Site are the property of Todd Hanley Mortgage Team and United Direct Lending, or are used under appropriate license. This content is protected by applicable copyright, trademark, and intellectual property laws.

You may not reproduce, distribute, modify, create derivative works from, publicly display, or commercially exploit any portion of this Site or its content without prior written consent from Todd Hanley Mortgage Team.

7 Acceptable Use and User Conduct

When using this Site, you agree to the following conduct standards:

• You will not attempt to gain unauthorized access to any portion of the Site, its servers, databases, or connected systems.
• You will not use automated scripts, bots, or crawlers to scrape, index, or extract data or content from the Site without permission.
• You will not use the Site or its tools for any unlawful, fraudulent, or deceptive purpose.
• You will not transmit any malicious code, viruses, or harmful software through the Site.
• You will not misrepresent your identity or impersonate any person or entity when using contact forms or scheduling features on the Site.
• You will not interfere with or disrupt the normal operation of the Site or its infrastructure.

8 Booking and Contact Forms

This Site may include features that allow you to schedule a consultation, request a callback, or submit your contact information. Submitting a booking request or contact form is not a loan application, and it does not obligate you or Todd Hanley Mortgage Team to proceed with any transaction.

By voluntarily providing your telephone number through any form on this Site and requesting to be contacted, you provide prior express consent to receive telephone calls, text messages, or other communications from Todd Hanley Mortgage Team and United Direct Lending at the number you provided. This consent is not a condition of purchasing any product or service. Message and data rates may apply. You may revoke this consent at any time by contacting us at the information listed at the bottom of these terms.

9 Third-Party Links and Resources

This Site may contain hyperlinks or references to external websites, articles, tools, or resources operated by third parties. These links are provided for your convenience and informational purposes only. Todd Hanley Mortgage Team does not control, endorse, or assume responsibility for the content, privacy practices, terms, or accuracy of any third-party website. Your interaction with any linked external site is governed by that site's own terms and policies.

10 Limitation of Liability

This Site and all of its content and tools are provided on an "as is" and "as available" basis without warranties of any kind, whether express or implied. Todd Hanley Mortgage Team, United Direct Lending, and their respective officers, employees, and affiliates disclaim all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

In no event shall Todd Hanley Mortgage Team, United Direct Lending, or any affiliated party be held liable for any direct, indirect, incidental, consequential, special, or punitive damages arising from or related to your use of, or inability to use, the Site, its calculators, or any content presented herein. This includes, without limitation, damages arising from errors or inaccuracies in calculator estimates, loss of data, business interruption, or reliance on any information provided through the Site.

11 Governing Law and Jurisdiction

These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law principles. Any legal disputes arising from or related to these terms or your use of this Site shall be subject to the exclusive jurisdiction of the state and federal courts located in Palm Beach County, Florida.

12 Equal Housing Opportunity

Todd Hanley Mortgage Team and United Direct Lending are committed to the principles of fair lending and equal opportunity. We provide all lending services and information without regard to race, color, religion, national origin, sex, familial status, disability, or any other characteristic protected under applicable federal, state, or local law. We comply with the Fair Housing Act and the Equal Credit Opportunity Act.

13 NMLS Disclosure

Todd Hanley | Senior Loan Officer | NMLS #1013665
United Direct Lending | NMLS #1749719
Licensed in FL, TX, NJ

For licensing information and to verify credentials, visit the Nationwide Multistate Licensing System at www.nmlsconsumeraccess.org.

Rates, programs, fees, and guidelines are subject to change without notice. Restrictions apply. This is not a commitment to lend. Not all applicants will qualify. All loan approvals are subject to underwriting review and verification of borrower eligibility.

14 Changes to These Terms

Todd Hanley Mortgage Team reserves the right to update, revise, or modify these Terms and Conditions at any time and without prior notice. Changes become effective upon posting to this page. The "Last Updated" date at the top of this document reflects the most recent revision. Your continued use of the Site following any changes constitutes your acceptance of the revised terms. We encourage you to review this page periodically.

15 Contact Information

If you have questions or concerns about these Terms and Conditions, or if you wish to revoke any consent previously granted, you may contact us using the information below: