4.9-Star Average Rating

Turn home equity into opportunity

No minimum credit score. At Haven, opportunity comes from looking at your entire financial picture. That’s how we help you access cash, consolidate debt, and finally get some breathing room.

How much money do you need?

$100,000

See how much equity you can access

Discover your best options in just 60 seconds – without any obligation.

  • No credit check
  • No info is shared

4.9/5 stars from 25,000+ happy homeowners

From debt relief to
home improvements,
we can free up cash
and save you money

See how we restructure loans to help you save money, reduce interest, and unlock opportunities other lenders don’t – even with low credit scores.

Access funds now without setting you back for the future
Consolidate high interest debts and start making real progress 
Lower your monthly payments  and pay down the principal faster
Find the right solution for you
Haven helps you get ahead 
instead of just getting by

HAVEN vs. the mortgage industry

Instead of offering the typical one-size-fits all loan products other lenders offer, we help educate homeowners so they’re empowered to make better informed decisions.

Consideration #1

Restructuring vs. refinancing

Most refinances reset your loan term, meaning you could pay more interest over time. A cash-out debt consolidation is a more strategic way to refinance, helping you reduce total debt and pay off your mortgage faster.

They were awesome to deal with when refinancing my home. I was able to refinance in less than a month.

Don, LendingTree

Why just refinance your mortgage when you can restructure your debt?

Find the right solution for you

Your information is 100% secure

Consideration #2

Blended rate vs. mortgage rate

Focusing only on your mortgage rate can be misleading. We calculate your blended rate to factor in all your debts. Then we strategically refinance to reduce your total costs and free up cash flow.

Excellent terms, excellent service. We just closed on a home improvement and debt consolidation loan and are very happy with their mortgage terms and customer service.

Ken H, BBB

Want to see how much our blended rate approach can save you?

Find the right solution for you

Your information is 100% secure

Consideration #3

Total cost vs. closing costs

Closing costs are a one-time expense, but your total cost impacts your financial future. That’s why we focus on helping you reduce the full amount paid over time – not just save a few bucks on the front end costs.

They made the whole process easy and painless. I would definitely recommend them to anyone seeking a mortgage loan.

Ken H, BBB

Want to see how to minimize your total costs?

Find the right solution for you

Your information is 100% secure

Real
  • Results.
  • Homeowners.
  • Trust.
  • Results.
  • Homeowners.
  • Trust.

$44K in tax-free cash!

Average one-time cash payment to clients.

$25K in debt reduction

Average reduction in high-interest debt.

$200 per month

Average reduction in monthly payments.

3-year term reduction

Average reduction in mortgage term

Calculate your
blended debt rate

Your mortgage rate doesn’t tell the whole story. Find out your real blended interest rate and see how it compares to potential home-equity solutions.

Primary Mortgage
Second Mortgage / Home Equity
Personal Loans
Student Loans
Credit Cards
Add more
Your blended debt rate is: 0%

Why Blended Rate Matters:

Your blended debt rate is the weighted average interest you pay across all your debts – and it’s often much higher than your mortgage rate.

Understanding that number helps you see the true cost of carrying multiple loans and how debt restructuring could lower your rate and free up monthly cash flow.

Ready to transform how you think about debt?

Join thousands who have been able to break out of the debt cycle. 

Highly rated. Widely trusted. Consistently recommended.

4.8/5 stars from 25,000+ happy homeowners

Excellent experience. They are agile, customer oriented, great communicators and very well organized. Even their App is very clear on steps and what happens next....

Franklin Mercado

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Reduction in monthly payments

I honestly cannot say enough good things about this loan company. From the very first conversation, I felt like I was treated with respect and...

Aubree Lance

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Reduction in monthly payments

The professional staff at haven home equity was an excellent team to work with. They got back with me when they said they would and...

Jason Taylor

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Reduction in monthly payments

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Solutions that fit your needs, not just your credit score

Get Debt Relief Today

Roll your debt into one lower monthly payment

We help you consolidate high-interest credit cards and personal loans into one structured solution, so your cash flow works for you again.

UPGRADE YOUR HOME

Improve your home and 
finances at the same time

From major renovations to education or investments, we’ll help you use your home’s value to fund life upgrades –  without wrecking your budget.

FLEXIBLE SOLUTIONS FOR ENTREPRENEURS

Self-employed income? We make it work.

We offer flexible loans for business owners using alternative income documentation. No Tax returns required. Instead we can leverage Bank statements, P&L’s or 1099’s.

Reverse Mortgages

Stay in your home. Access your equity.

Turn equity into tax-free cash or eliminate monthly mortgage payments, all while staying in the home you love and gaining more financial flexibility.

LOWER YOUR RATE & PAYMENTS

You can save money overall, not just on your mortgage rate

We can restructure your debts to reduce total interest, free up cash flow, and help you save more every month – without starting over.

Not sure where to start?

Check your eligibility

Solutions that fit your needs, not just your credit score

Not sure where to start?

Check your eligibility

Get Debt Relief Today

Roll your debt into one lower monthly payment

We help you consolidate high-interest credit cards and personal loans into one structured solution, so your cash flow works for you again.

Take control of your debt now

UPGRADE YOUR HOME

Improve your home and 
finances at the same time

From major renovations to education or investments, we’ll help you use your home’s value to fund life upgrades –  without wrecking your budget.

Fund your next project

FLEXIBLE SOLUTIONS FOR ENTREPRENEURS

Self-employed income? We make it work.

We offer flexible loans for business owners using alternative income documentation. No Tax returns required. Instead we can leverage Bank statements, P&L’s or 1099’s.

Find self-employed solutions

Reverse Mortgages

Stay in your home. Access your equity.

Turn equity into tax-free cash or eliminate monthly mortgage payments, all while staying in the home you love and gaining more financial flexibility.

See reverse mortgage options

LOWER YOUR RATE & PAYMENTS

You can save money overall, 
not just on your mortgage rate

We can restructure your debts to reduce total interest, free up cash flow, and help you save more every month – without starting over.

See how much you could save

Meet the experts who make home equity work for you

At Haven, we’re more than lenders. We’re educators, advisors, and strategists. Our team doesn’t just help you get a loan; we help you understand how to use your home equity to improve cash flow, reduce debt, and pay down your principal faster.

See how we can help you

Helping you, helping others

$100 from every loan goes toward
homeless families

Providing a loan shouldn’t just be about addressing your immediate cash concerns. It should also set you up for financial stability. It can even help others get back on their feet.

Help us reach our goal of raising $1M in 2026

The smart way to apply & manage your loan

Apply, upload documents, and track your loan – all from your mobile device. It’s a faster, more secure way to stay in control of your mortgage.

Smart loan calculators

Get instant estimates to plan your payments with confidence.

Secure document uploads

Scan, send, and manage documents effortlessly – no paperwork required.

Apply anytime, anywhere

Start your loan application in minutes, right from your phone.

Stop paying interest. Start building your future.

It only takes 60 seconds to see how much you can save - without impacting your credit score. No commitment, just real numbers.

Check my eligibility

Join thousands who have been able to break out of the debt cycle.