Lower Your Rate and Monthly Payment Right NOW!

Cash Out Specialists!

We can help homeowners with less than perfect credit. Seriously, down to a 540 Credit Score!

Refinance Rate Checker

Debt Consolidation

Are you looking to pay off high interest credit cards or installment loans? Use the equity in your home to pull cash out, pay these off, and help increase your monthly cash flow. You'll be amazed with how much you can save!

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Use the existing equity in your home to help with home improvements. Our clients find that a Cash Out Refinance or HELOC often provide a much lower overall payment than trying to finanve these things seprately.

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Buying a home is a big deal, so it's natural to feel a bit overwhelmed. We have speical programs to help you out. Getting pre qualification before shopping is hte way to go.

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What Makes Us Different?

At Top Flite, we believe that you're more than just a credit score. This means that we assist clients that most financial institutions turn away. In fact, 95% of the loans we close are for existing homeowners with less than perfect credit. Not only can we get your loan closed, but we'll do so in a timely manner at the agreed-upon terms.

  • Loan Approvals with credit scores as low as 540
  • Common sense underwriting
  • We maximize your cash-out options
  • Self Employed - Bank Statement Programs
  • Quick Turn Times - close in weeks, not months
  • Mobile App to track your loan progress and upload documents

Congratulations! You're ready to refinance your home loan

Home Refinance Loans Without the Hassle!

Home Refinance Loans without the Hassle!

Need refinancing options on a home, or other real estate? Choosing a refinance product that matches your goals and making sure you get the best rate for your given scenario can feel like playing whack-a-mole.

We're here to make the home refinance process a whole lot easier, with tools and expertise that will help guide you along the way, starting with a FREE refinance analysis request.

We'll help you clearly see differences between loan programs, allowing you to choose the right one for you whether this is your first refinance or 7th.

The Refinance Loan Process

Here's how our home loan process works:

  • Complete our simple refinance analysis request
  • Receive options based on your unique criteria and scenario
  • Compare mortgage interest rates and terms
  • Choose the offer that best fits your needs

Why Refinance?

Refinancing is the process of paying off your existing mortgage with a new mortgage. Typically, you refinance your mortgage to reduce your interest rate and monthly payment or change the length (or term) of your mortgage. You may also refinance to take cash out from your home's equity.

Why Refinance?

Your Home Loan Could Be Fully Funded 30 Days From Now

  • Fixed Rates

    Fixed Rates

  • Adjustable Rates Mortgage (ARM)

    Adjustable Rates
    Mortgage (ARM)

  • Conforming Loans


  • Jumbo & Super Jumbo Loans

    Jumbo & Super
    Jumbo Loans

  • FHA, VA, & USDA Loans

    FHA, VA, & USDA

  • Terms from 5 to 30 Years

    Terms from 5 to
    30 Years

Get Your FREE Refinance analysis Now!

Mortgage rates change every day, and your rate will vary based on your location, finances, and other factors. Get your FREE customized rate comparison below:

Refinance Rate Checker