Lower Your Mortgage Payment. Boost Your Savings. Refinance Today!
Unlock lower rates, reduce your monthly payment, and put more cash back in your pocket—without the hassle.
Are You Overpaying Without Even Realizing It?
Owning a home isn’t as affordable as it used to be. Rising property taxes, increasing homeowners insurance premiums, and inflation are squeezing homeowners nationwide. Many are stuck with higher mortgage rates than necessary—simply because they don’t know they have better options.
But here’s the good news: Refinancing your mortgage in 2025 could provide major financial relief. Whether you’re looking for a lower interest rate, a reduced monthly payment, or even a way to cash out equity for other financial goals, the right refinance program can put more money back in your pocket.
The Hidden Cost of Your Current Mortgage
Did you know that where you got your mortgage could be costing you thousands?
A 2024 study by the Polygon Research Group (click to view study) found that homeowners who refinanced through mortgage brokers saved an average of $10,662 compared to those who refinanced through non-bank retail lenders.
That’s money that could go toward home improvements, savings, or paying down other debts—without sacrificing the security of homeownership.
Since transitioning into mortgage brokering myself in April 2024, I’ve helped countless homeowners refinance into better loans—reducing their monthly payments, securing lower rates, and creating long-term financial stability.
And here’s something most lenders won’t tell you: Sometimes, refinancing isn’t the right move.
I’ve been in the mortgage industry since 2005 and have refinanced thousands of homeowners—but I’ve also told even more that refinancing didn’t make sense for their situation. My job isn’t just to close loans. It’s to give you the right advice at the right time.
Why Trust Todd Hanley for Your Mortgage?
When securing a new mortgage, you deserve expert guidance—and that’s exactly what Todd Hanley delivers. With over 16 years of experience as a Senior Loan Officer, Todd has helped countless homeowners unlock lower rates, reduce monthly payments, and build long-term financial stability.
Recently featured in the The Wall Street Journal, Todd isn’t just another loan officer—his holistic understanding of real estate, mortgage markets, and economic trends sets him apart. He takes a strategic approach to ensure you’re not just getting a loan but making a smart financial decision for the future.
Unmatched Expertise & Credentials
✅ Certified Mortgage Advisor™ – Advanced training in mortgage-backed securities, treasuries, and bonds, allowing Todd to guide homeowners in leveraging mortgage debt to build sustainable wealth.
✅ Active Real Estate License – Unlike most mortgage brokers, Todd maintains an active real estate license to gain exclusive access to critical housing data, making him even more effective in securing the best financing options for you.
More Than Just a Loan—A Trusted Partnership
By working with Todd, you’re not just getting a loan—you’re gaining a dedicated expert who understands the big picture, ensures seamless execution, and prioritizes your financial success. His unique blend of expertise, industry knowledge, and integrity guarantees that every step of your mortgage journey is handled with precision and care.
📞 Get Personalized Guidance Today
Don’t settle for ordinary when you can have extraordinary. Contact Todd today for a stress-free FHA mortgage experience.
Timing Matters: Why You Need an Expert Who Understands the Market
Mortgage rates fluctuate daily, and timing is everything when it comes to locking in the best rate.
Unlike many loan officers who rely on guesswork, I have the ability to read the economy and rate markets to accurately determine when the best time to lock in is.
I analyze factors like:
✅ Federal Reserve policies
✅ Inflation trends
✅ Bond market movements
✅ Geopolitical events impacting rates
This means I can help you lock in at the right time—maximizing your savings and minimizing risk.
Your Refinance Options in 2025
The best part about working with a mortgage broker? I work for YOU, not the bank.
I help homeowners like you navigate all available refinance programs to find the best fit.
Lower Your Rate & Payment
Secure a lower interest rate and reduce your monthly mortgage payment—without extending your loan term unnecessarily.
Fast & Hassle-Free Refinancing
Depending on your loan type, you may qualify for a streamlined refinance that requires no appraisal and minimal paperwork.
Cash-Out Refinance
Need extra funds? A cash-out refinance lets you tap into your home’s equity for renovations, debt consolidation, or other financial goals.
Roll Closing Costs into the Loan
Reduce out-of-pocket expenses by rolling refinancing costs into your new loan.
From Conventional and FHA to VA and Jumbo loan refinances, I’ll guide you every step of the way—making the process simple, transparent, and focused on YOUR savings.
Instant Eligibility Check – Find Out in Less Than 30 Seconds!
Click HERE to see how much you could save today. Click below to check your refinance eligibility instantly.
Or call me directly at 954-806-5114 for a personalized mortgage refinance review.
Cut down on your monthly mortgage payments and free up your finances. With my help you can potentially save thousands annually, helping you achieve your financial goals faster.
Save Big Every Month!
I know nothing is easy these days, but the VA I.R.R.L. & FHA Streamline process is! Especially when you’re working with a team with experience in mortgage lending such as The Todd Hanley Mortgage Team.
Streamlined Process!
In my career I have advised more homeowners to not refinance versus moving forward with a loan that truly doesn’t benefit them. I guarantee to make the process straightforward and worthwhile.
Straighforward and Worthwhile Guarantee
What People Are Saying…..
💬 Cherlene's Story:
"Our escrow shortage sent our mortgage payment through the roof, and we were drowning. Todd stepped in, lowered our rate by 1.5%, and slashed our payment by $500/month—putting us back in control. Now, we can breathe again!"
— Cherlene C
💬 Tom’s Story:
"I thought I had a good rate until I saw how much I was overpaying. Todd helped me refinance quickly, cut my rate by 1.625%, and put hundreds back in my pocket every month. No hassle, no headaches, just real savings. If you have an FHA loan, don’t wait to see how much you could be saving!"
— Tom R
💬 Randolph's Story:
“We were drowning in debt and barely keeping up with payments. Todd’s expertise saved us thousands in interest and, more importantly, saved out home. We wish we had spoken with him soon!”
-Randolph G
Calculate Your Savings Here
Watch this short video to learn how to save on your next refinance!
Frequently Asked Questions About Refinancing(FAQ)
General Refinancing Questions
What is mortgage refinancing?
Refinancing is the process of replacing your existing mortgage with a new loan, often with better terms, a lower interest rate, or a different loan type.
Why should I refinance my mortgage?
Homeowners refinance to lower their interest rate, reduce monthly payments, switch from an adjustable to a fixed-rate mortgage, cash out equity, or shorten the loan term.
How does refinancing work?
Refinancing involves applying for a new mortgage, undergoing a credit and income check, getting an appraisal, and closing on the new loan that pays off the old one.
What types of refinancing options are available?
Common options include rate-and-term refinancing, cash-out refinancing, and streamline refinancing (for FHA, VA, and USDA loans).
Can I refinance if my credit score is low?
Yes, but a lower credit score may lead to higher interest rates or require an FHA or VA refinance loan.
Refinancing Costs and Savings
How much does it cost to refinance?
Refinancing costs typically range from 2% to 5% of the loan amount, covering lender fees, appraisal, title insurance, and other closing costs.
How can I calculate my break-even point for refinancing?
Divide your closing costs by the monthly savings from refinancing to determine how long it will take to recoup your investment.
Will refinancing lower my monthly payment?
If you secure a lower interest rate or extend your loan term, your monthly payment could decrease.
Can I refinance with no closing costs?
Some lenders offer no-closing-cost refinancing by rolling fees into the loan balance or charging a slightly higher interest rate.
Is refinancing worth it if I plan to move soon?
If you plan to move in a few years, refinancing may not be beneficial unless you reach your break-even point quickly.
Home Equity & Cash-Out Refinancing
What is a cash-out refinance?
A cash-out refinance allows you to borrow more than you owe on your home, using the equity to get cash for home improvements, debt consolidation, or other expenses.
How much equity do I need for a cash-out refinance?
Most lenders require at least 20% home equity, meaning your loan-to-value (LTV) ratio should be 80% or lower.
Can I use a refinance to pay off debt?
Yes, many homeowners use cash-out refinancing to consolidate high-interest debt into a lower-interest mortgage.
Is a home equity loan better than a cash-out refinance?
A home equity loan is a second loan with separate payments, while a cash-out refinance replaces your existing mortgage. The best choice depends on your interest rate and financial goals.
Loan Types & Eligibility
Can I refinance an FHA loan?
Yes, you can refinance an FHA loan through an FHA Streamline Refinance, which requires minimal documentation, or switch to a conventional loan if you meet credit and equity requirements.
What is a VA Interest Rate Reduction Refinance Loan (IRRRL)?
A VA IRRRL is a simplified refinance option for eligible veterans that reduces interest rates with minimal paperwork and no appraisal requirements.
Can I refinance if I have a second mortgage?
Yes, but you may need lender approval to "subordinate" the second mortgage, keeping it in a lower lien position.
Can I refinance an investment property?
Yes, but investment property refinance rates are typically higher, and lenders may require more equity (e.g., 25% or more).
Special Refinancing Situations
What if I am underwater on my mortgage?
If you owe more than your home is worth, you may qualify for special refinance programs like FHA Streamline, VA IRRRL, or Fannie Mae’s High LTV Refinance.
Can I refinance after forbearance or missed payments?
Yes, but you may need to meet specific waiting periods and repayment requirements set by your lender or government programs.
When it comes to securing an FHA mortgage, you deserve nothing less than the absolute best—and that's exactly why you should consult with Todd Hanley for your needs. With over 16 years of experience as a Senior Loan Officer, Todd brings unmatched expertise to the table. Being recently featured in The Wall Street Journal, what truly sets him apart is his holistic understanding of the real estate and financial landscape affecting homeowners like you.
- Todd is designated a Certified Mortgage Advisor which is a mortgage industry professional who has been extensively trained in all aspects of mortgage backed securities, treasuries, and bonds and is an expert advisor who helps consumers understand how to use mortgage debt to build sustainable, lifelong wealth.
- Active Real Estate License: Todd holds an active real estate license mainly to gain access to information and data that makes me more effective at as a mortgage broker.
By choosing Todd Hanley, you're not just getting a loan officer; you're partnering with a seasoned professional who has equipped himself with the knowledge and skills to provide the most effective and personalized solutions for your mortgage needs. His unique blend of qualifications ensures that every aspect of your journey is handled with the utmost care, expertise, and integrity.
Don't settle for ordinary when you can have extraordinary. Contact Todd Hanley today for peace of mind for your FHA mortgage needs.
- Phone - 954-806-5114
-Todd.Hanley@uniteddirectlending.com