The mortgage industry wasn't going to change. So we did.
If you’re like most homeowners we work with, you’re not reckless with your finances.
You’re doing everything you can to stay ahead, including:
- Paying down debt
- Making your mortgage payments
- Keeping up with rising costs
And yet, the weight of high-interest credit cards, medical bills, and a 25 to 30-year term on your mortgage never seems to go away.
On top of that, maybe you get blind-sided by an unexpected life event or huge expense.
No matter what you do, you still seem stuck in a cycle of debt…
I just wanted to have some peace of mind and get my debt under control.
Angela R. NV
But here’s the truth no one tells you:
It’s not you. It’s the way your loans are structured.
Loans that work for you.
Not against you.
Unfortunately, the system isn’t looking out for you. But we are.
Most lenders focus on only one thing: your mortgage
Haven Home Equity takes a more holistic approach. We look beyond a single number to understand the entire financial picture behind every decision. That’s because it’s not just your mortgage rate that matters – it’s your blended debt rate. That’s the true average interest rate you’re paying across all your debts, including:
- Mortgage
- Car loans
- Credit cards
- Medical and more
Even a “good” refinance can leave you stuck if your blended rate stays high. We help you restructure debt to free up cash flow and build long-term momentum.
Debt was weighing heavy on my mind. I needed to breathe again and get back on track.
Kevin M. FL
Freedom from unnecessary debt
It’s not a slogan. It’s our anthem. It’s our ‘why’ – our reason for showing up every day.
We’ve seen what happens when people finally get out from under bad debt. The stress lifts. The breathing room comes back.
People start saving again. Sleeping again. Dreaming again. We’re not here to push another loan.
We help you turn your home equity into opportunity.
See what your home equity could really do for you
It’s absolutely free.
No credit check. No info is shared.
Top Flite Financial, Consumer Direct has changed to Haven Home Equity
When we rebranded from Top Flite Financial to Haven Home Equity, it wasn’t just a name change. It was a declaration of purpose.
We wanted our name to reflect our mission – to offer clients a genuine haven from the debt traps and one-size-fits-all solutions of traditional lending. A place where you could find clarity, strategy, and financial breathing room.
Our reviews may still reference our former name, Top Flite Financial – Consumer Direct. Same company, same team, same commitment to reducing unnecessary debt for our clients.
Our difference is greater than the sum of its parts
At Haven, we don’t push one-size-fits-all refinance offers.
We offer structured solutions that meet you where you are – and help you get where you want to go. It’s not just about getting a lower rate – it’s about building a smarter path to financial progress.
Our proven Haven framework is built on three key principles:
1
Restructuring > refinancing
Because traditional refinancing usually just restarts the interest payment cycle all over again.
2
Blended rate > mortgage rate
Because lowering your blended debt rate is more effective than just lowering your mortgage rate.
3
Total cost > closing cost
Because the majority of the cost is in the monthly interest payments.
This fundamentally different approach isn’t about selling loans. It’s about helping you move forward – with clarity, control, and real savings over time.
No credit impact. No obligation
This isn’t just business for us. It’s personal.
Our team comes from financial services, sure. But more importantly, we come from real life.
It’s a big part of what makes working at Haven such a satisfying place for a career. We’ve helped homeowners dig out of 20%+ interest rates, consolidate $100K+ in debt, and finally feel like they’re making progress – not just payments.
And the best part? We do it without judgment, pressure, or sales fluff. Because you don’t need just a better interest rate. And you need more than just a loan officer.
You need someone who’s on your side – an advisor, a strategist, someone who is working in your best interests.
HAVEN: Where equity turns into opportunity
If you’re ready to finally make your mortgage work for you – not against you – you’re in the right place.
Let’s look at personalized solutions together.
Discover your best options in just 60 seconds – without any obligation.