THMT
Hector Vazquez
Get My Buyer Readiness Check
West Palm Beach waterfront
West Palm Beach

From Renter to Homeowner.
Without the Chaos.

Private, fast pre-approval with a step-by-step strategy for buying in West Palm Beach. Designed for busy professionals. Clear answers. Clean execution.

Todd Hanley Hector Vazquez
Todd Hanley & Hector Vazquez
Your mortgage + real estate team in WPB

The WPB Buyer Readiness Check

10 minutes. No credit pull. No obligation. Just your numbers and a clear plan.

No credit impact. No spam. We respond within 24 hours.

You're In

Todd or Hector will reach out within 24 hours with your personalized Buyer Readiness Check. No pressure — just your numbers and a clear plan.

Your Complete Buyer Readiness Check

Not a vague pre-approval letter. A concrete gameplan with real numbers you can make decisions with.

01

Max Purchase Price

Your real purchasing power — not a teaser number that falls apart at underwriting.

02

Cash to Close

Realistic down payment + closing costs across 2–3 scenarios. No surprises at the table.

03

Payment Scenarios

Monthly payment range under multiple programs so you can choose your comfort zone.

04

Timeline to Close

A clear, step-by-step path from today to keys in hand — with realistic dates.

05

What to Fix First

If you're not quite ready, we tell you exactly what to address and how long it takes.

West Palm Beach

Three Steps. No Runaround.

Built for people who value their time. No 45-minute sales calls. No bait and switch.

1

Submit Your Info

Fill out the form above. We don't pull credit yet — this is just to understand your situation and goals.

⏱ 2 minutes
2

Get Your Readiness Check

Todd calls you with your numbers — max purchase, cash needed, payment range, timeline. No fluff, just your plan.

⏱ 10 minutes
3

Move When You're Ready

When it's go time, Hector activates the home search and Todd locks your rate. Coordinated. Efficient. Done.

⏱ 30 days avg close

Built for Buyers Who
Don't Want to Waste Time

  • 🎯

    Real Numbers, Not Rate Bait

    Your actual purchasing power upfront — max price, cash to close, monthly payment — not a teaser rate that disappears at closing.

  • Fast, Private Pre-Approval

    No 45-minute discovery calls. No "let me check with my manager." A direct conversation with a Senior Loan Advisor who has real answers.

  • 🏗️

    WPB Condo Financing Expertise

    Half the condos in West Palm have warrantability issues most lenders catch too late. We flag financing landmines before you fall in love with a unit you can't close on.

  • 🤝

    One Team, One Plan

    Mortgage and real estate working in lockstep. Todd handles financing, Hector handles the search. Coordinated from day one.

★★★★★
"I'd been putting off buying for two years because it felt overwhelming. Todd gave me my numbers in one call. Hector found the place in three weeks. Closed in 28 days."
Sarah M. — Palm Beach County
West Palm Beach

Buying a Condo in WPB?
Read This First.

Not every condo in West Palm Beach is financeable. HOA litigation, reserve shortfalls, and insurance gaps can kill a deal weeks into the process — after you've spent money on inspections and appraisals. We screen for this upfront.

  • We pre-screen condo warrantability before you make an offer
  • We know which buildings in WPB have financing issues — and which don't
  • We structure your loan to avoid common condo financing traps
  • Townhomes and single-family also on the table — we help you weigh all options

Two Professionals. One Plan.

Todd Hanley

Todd Hanley

Senior Loan Advisor · RICP® · CMA™
United Direct Lending
NMLS #1013665 · UDL NMLS #1749719
Hector Vazquez

Hector Vazquez

REALTOR®
Premier Brokers International
West Palm Beach waterfront

Stop Guessing.
Get a Number You Can Trust.

10 minutes. No credit pull. No obligation. Just clarity on what you can buy, what it costs, and how fast you can close.

Get My Buyer Readiness Check →