WE APPROVE CREDIT SCORES STARTING AT 500

Tap Into the Equity of Your Home toGet The Cash You Need

We help homeowners use the equity in their home to consolidate debt, pay for home improvements, or plan for a large upcoming expense.

How Much Can I Get?

No SSN required. Zero impact to credit. Your information is never sold.

See why we’re rated 5.0 by 4,000+ reviewers!

We’ll make it easy

We have a judgement-free and holistic approach to the loan process, offering a diverse range of loan options tailored to your financial situation.

Debt Restructure (Cash-Out)

Tired of drowning in high-interest credit card balances and endless installment loans? It’s time to break free and restructure your debt!

Tired of drowning in high-interest credit card balances and endless installment loans? It’s time to break free and restructure your debt!

By tapping into your home equity, you can:

  • Get cash to pay off high-interest debt
  • Potentially reduce your monthly payments
  • Improve your overall cash flow

Imagine the relief of streamlining your debt into one manageable payment.

Our satisfied homeowners have saved thousands by restructuring their debt — and you could be next!

View moreTake Control of My Debt Now
Self Employed Loans

Are you a self-employed homeowner looking to access the equity in your home? We understand that traditional income verificati...

Are you a self-employed homeowner looking to access the equity in your home? We understand that traditional income verification can be can be a challenge, but we’re here to help!

With our self-employed loans, you can:

  • Qualify without tax returns or W-2 forms
  • Use your home equity to invest in your business, renovate your property, or pay bills or other debt
  • Benefit from a streamlined application process designed for self-employed individuals

Our satisfied self-employed homeowners have accessed thousands in funding through home equity — and you could be next!

View moreUnlock My Home Equity Today
Reverse Mortgages

Are you a homeowner aged 62 or older looking to access your home equity? With a reverse mortgage, you can unlock the finan...

Are you a homeowner aged 62 or older looking to access your home equity? With a reverse mortgage, you can unlock the financial freedom you deserve while remaining in the home you love!

Our reverse mortgage solutions allow you to:

  • Eliminate monthly mortgage payments
  • Convert a portion of your home equity into tax-free cash
  • Use the funds however you wish, whether it’s enhancing your retirement lifestyle, covering healthcare expenses, or helping loved ones

Our knowledgeable team is committed to providing exceptional service, earning us a remarkable 5.0 rating out of 6K+ reviews and an A+ rating on BBB.

View moreCheck My Reverse Eligibility

What Makes Us Different?

At Haven Home Equity, we empower homeowners with less-than-perfect credit to achieve their financial goals. Our personalized loan solutions are designed to meet your unique needs, with:

  • Approvals for credit scores as low as 500
  • Customized loans tailored to your specific situation
  • Maximum cash-out options for debt consolidation, home improvements, or savings
  • Bank statement programs for the self-employed
  • Quick closing times – weeks, not months
  • Mobile app for easy loan tracking and document uploads

When other lenders say no, we say yes. Discover the Haven Home Equity difference today.

Get My Quote Now

It takes less than 1 minute!

5.0 / 4,582 Reviews

What our customers say

I’m very pleased with my experience with Haven Home Equity. Daniel, Brendan, and Andrea were all so helpful. Daniel, in particular, was always available to answer my questions and kept me informed every step of the way.

Manes and Tails Performance Horses

Feb 28, 2026

All I can say is WOW! What an awesome experience we had with Haven Home Equity! Rob and John were great to work with. They didn’t mind the crazy questions and had tremendous professionalism and patience with us. Online signing, remote notary, the whole process from beginning to end was around 6 weeks. Everything flowed so smoothly! Thank you so much for all you did to make us feel comfortable in trusting you with our needs. I 5 star recommend Haven Home Equity for your mortgage needs! ~~~~~The Winer’s

Shauna Winer

Feb 26, 2026

Great service and professional, knowledgeable staff. Available when needed and answered all questions.

Bruce S

Feb 24, 2026

BBB

I recently completed a mortgage refinance, and the entire process was an excellent experience from start to finish. What could have felt overwhelming and complicated turned out to be smooth, well-organized, and surprisingly stress-free.

The loan officer truly went above and beyond at every step. They took the time to clearly explain all of my options, answer every question (no matter how small), and make sure I understood the details before moving forward. I never felt rushed or pressured — instead, I felt supported and confident in each decision.

Communication was consistent and proactive. I was kept informed throughout the process, and any updates or required documents were handled quickly and efficiently. Whenever a potential concern arose, the officer didn’t just point it out — they provided thoughtful guidance and practical advice to ensure everything stayed on track.

What stood out most was the level of care and dedication. It was clear that my financial goals mattered, and the officer worked diligently to secure the best possible outcome for my situation. That kind of personalized service makes a significant difference.

I highly recommend this team to anyone considering refinancing. Professional, knowledgeable, responsive, and genuinely supportive — an outstanding experience all around

B Scott

Feb 22, 2026

I recently completed a mortgage refinance, and the entire process was an excellent experience from start to finish. What could have felt overwhelming and complicated turned out to be smooth, well-organized, and surprisingly stress-free.

Alberto Tirado, then loan officer, & his team truly went above and beyond at every step. They took the time to clearly explain all of my options, answer every question (no matter how small), and make sure I understood the details before moving forward. I never felt rushed or pressured — instead, I felt supported and confident in each decision.

Communication was consistent and proactive. I was kept informed throughout the process, and any updates or required documents were handled quickly and efficiently. Whenever a potential concern arose, the officer didn’t just point it out — they provided thoughtful guidance and practical advice to ensure everything stayed on track.

What stood out most was the level of care and dedication. It was clear that my financial goals mattered, and the officer worked diligently to secure the best possible outcome for my situation. That kind of personalized service makes a significant difference.

I highly recommend this team to anyone considering refinancing. Professional, knowledgeable, responsive, and genuinely supportive — an outstanding experience all around

Scott Chelli

Feb 22, 2026

The Haven Home Equity team was a great pleasure to work with, they were very professional, patient with every question I had, and quick to respond with emails and texts. The financial transition was transferred flawlessly. Very grateful for Havens business and will use them again for the third time in the near future..
Thank you again to the Haven Home Equity Team!!

Lisa Indelicato

Feb 21, 2026

The Haven Home Equity team was a great pleasure to work with, they were very professional, patient with every question I had, and quick to respond with emails and texts. The financial transition was transferred flawlessly. Very grateful for Havens business and will use them again for the third time in the near future..
Thank you again to the Haven Home Equity Team!!

Lisa Indelicato

Feb 21, 2026

Everyone involved was super helpful and supportive. They offered to upload documents for me since I struggled with that. They were readily available when I had questions.

Eva Pavoni

Feb 17, 2026

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

Feb 13, 2026

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 understanding instead of judgment. They truly care about people and take the time to listen to your situation without making you feel rushed or embarrassed.

What stood out the most to me was how compassionate and professional the team was. They explained everything clearly, answered all of my questions, and made sure I fully understood the process before moving forward. It didn’t feel like I was just another number — it felt like they genuinely wanted to help.

In a world where customer service can feel cold or transactional, this company treats people the way they should be treated: with kindness, honesty, and dignity. If you’re looking for a loan company that actually cares and goes above and beyond, I highly recommend them.

Aubree Lance

Feb 12, 2026

Our Website

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 everything went smooth and promptly. I will recommend this company to anyone i know that needs this service. Thank you so much

Jason Taylor

Feb 04, 2026

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 everything went smooth and promptly. I will recommend this company to anyone i know that needs this service. Thank you so much

Jason Taylor

Feb 04, 2026

  • See more reviews

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    Haven Home Equity:
    By the Numbers

    $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.

    Close in just 3 weeks

    Average time from initial consultation to close

    We specialize in Cash-Out & Debt Restructure loans!

    How Much Can I Get?

    Zero credit impact. It takes less than 1 minute!

    • Competitive fixed rates
    • Close in less than 30 days
    • Cash-out up to 80% (100% for Veterans)
    • Common sense underwriting
    • Dedicated client success manager
    • Ability to approve credit scores down to 500

    Our Process Flow

    See How Much You Qualify For

    For help, questions or to see what you qualify for, give us a call!

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    Zero credit impact. It takes less than 1 minute!