Advertiser Disclosure

Top Flite Financial Mortgage Refinance

Top Flite Financial Logo
Refinance Your Home with Confidence
Access Equity in Your Home or Get a More Affordable Mortgage Payment
Minimum Credit Score
Loan Programs
Traditional and Non-QM
Average Closing Time
A Few Weeks


See all

Loan Types

Homeowners can refinance conventional, FHA, VA, Jumbo,Super Jumbo, and Reverse Mortgages

Interest Rate

Top Flite Financial offers fixed-rate refinance and purchase loans.

Loan Terms

Loan terms between 10 and 30 years are available.

Mortgage Insurance

You can refinance your home loan to remove private mortgage insurance (PMI).

Bank Statement Loans

These loan products are an option for self-employed borrowers.

Loan Use

If you get a cash-out refinance, the loan proceeds can be used however you see fit.

Top Flite Financial offers mortgage refinancing to borrowers looking to change their loan terms or get a more affordable monthly payment. Some borrowers also refinance to convert their equity into cash. There are several refinance options to choose from, and you don’t need perfect credit to qualify.

About Top Flite Financial

Top Flite Financial is a mortgage lender specializing in cash-out refinances. But unlike traditional lenders, it caters to homeowners with lower credit scores. The lender also offers purchase loans, reverse mortgages and home equity loans to borrowers with varying financial backgrounds.

What is a Cash-Out Refinance?

A cash-out refinance is a mortgage loan that lets you pull out a portion of your home equity and convert it into cash. You can use the loan proceeds however you see fit.

It involves replacing your current mortgage with a new one that includes your current balance and the amount you borrow. To illustrate, assume your home is worth $425,000, and you owe $225,000 on the mortgage. So you apply for a cash-out refinance, and the lender allows you to pull out 85 percent of your home equity.

You’d get $136,250 in cash (minus applicable fees) following closing ($425,000 * .85 – $225,000). The lender will also pay off your current mortgage of $225,000 and replace it with a new mortgage of $361,250 ($225,000 + $136,250). When the loan payments resume, you’ll make payments to the new lender.

Top Flite Financial Mortgage Refinance Reviews

Here’s what others are saying about Top Flite Financial:

  • The service provided by Top Flite Financial was top-notch. They made the process easy and stress-free. I highly recommend this team of professionals.—Chris B. (BBB review)
  • Top Flite Financial is absolutely amazing. They’re the best refinancing company I’ve ever worked with. I was a bit worried about the online application process, but the lending team put my mind at ease. They were amazing to work with from start to finish. This lender is truly the best in business.—Scott J. (BBB review)
  • I recently found myself in a situation with limited funds but a ton of equity. Top Flite Financial was able to quickly process my loan application and help me get the funding I needed. They are also very responsive. Thank you! —Eric H. (BBB review)
  • My wife and I were nervous when we started the process due to our shaky credit history. However, the loan officer explained the entire process from start to finish the day we connected with her, and everything went smoothly. Communication was also excellent, and they followed through on their promises. We’re so excited about everything and couldn’t have access or a smoother loan process. Thank you, Top Flite Financial. —Shaka S. (BBB review)
  • I’ll be the first to admit I was a bit worried about making the wrong decision when I started researching the possibility of refinancing my home. I had no idea where to start or if I should move forward. But when I reached out to Top Flite Financial and was contacted by a loan officer, all my fears and worries went away. He was amazing to work with and made the process so simple. I’m extremely grateful for the opportunity to have worked with such a wonderful team, and I know I now know I made the right decision to refinance my home. Many thanks to the Top Flite Financial team. —Elizabeth V. (BBB review)

The Benefits of Top Flite Financial’s Cash Out Refinance

If you’re considering a cash-out refinance from Top Flite Financial, there are several advantages to keep in mind:

  • Relaxed credit guidelines. You could get approved for a cash-out refinance with a lower credit score than many traditional lenders are willing to accept.
  • Availability. Top Flite Financial serves homeowners in all 50 states.
  • Fixed interest rates. Cash-out refinances come with fixed interest rates, giving you a predictable monthly principal and interest payment.
  • Loan terms. Choose from a loan term between 10 and 30 years.
  • Flexible use. You’re free to use the loan proceeds however you see fit, whether it’s to consolidate high-interest debt, upgrade your home or cover an unexpected expense.
  • Personalized support. You’ll receive personalized support from a Client Success Manager throughout the lending process.

What Are the Requirements to Refinance Your Mortgage with Top Flite Financial?

Eligibility guidelines to refinance your mortgage with Top Flite Financial depend on the type of loan you select. A Top Flite Loan Officer can help you determine which option best fits your financial situation and mortgage needs.

What Are the Costs and Fees Involved in Refinancing Your Mortgage with Top Flite Financial?

Again, it depends on the type of refinancing you select. Consult with a lending professional from the Top Flite Financial team to learn more about the costs, fees and what to expect if you refinance your home loan.

Who is Top Flite Financial Mortgage Refinance Best For?

Top Flite Financial Mortgage Refinance is most suitable for credit-challenged borrowers who’ve had trouble getting approved elsewhere. The lender is known throughout the industry for its relaxed credit guidelines. So, if others have turned you down for refinancing, you could be in luck with Top Flite Financial.

What Other Mortgage Loans Does Top Flite Financial Offer?

The lender offers an assortment of other mortgage products, including:

  • FHA loans: ideal for home buyers with past credit challenges and lower incomes seeking a low down-payment solution
  • First-time home buyer mortgages: designed for prospective buyers unfamiliar with the mortgage process
  • Fixed-rate mortgages: provide a predictable principal and interest payment
  • HARP loans: a flexible solution for homeowners having trouble refinancing due to a decline in their property values
  • Home equity loans: let you convert your home equity into cash
  • Jumbo mortgage loans: most ideal for home buyers seeking loans that exceed the conforming loan limit
  • Reverse mortgage loans: reserved for seniors aged 62 years or older
  • USDA loans: designed for individuals and families looking to purchase in rural areas
  • VA loans: caters to members of the U.S. armed forces and qualifying relatives

See How Much You Could Qualify for a Mortgage Refinance with Top Flite Financial

If you’re ready to explore your mortgage refinance options, submit an online inquiry. It only takes a few seconds, and a Top Flite Loan Officer will reach out to help guide you through the application process and answer any questions you may have.

Latest News

In this article, you’ll learn about home equity loans and how you can qualify for one if you have a FICO score between 500 and 580.
Read more

Advertisement Disclosure

Product name, logo, brands, and other trademarks featured or referred to within are the property of their respective trademark holders. This site may be compensated through third party advertisers. The offers that may appear on’s website are from companies from which may receive compensation. This compensation may influence the selection, appearance, and order of appearance of the offers listed on the website. However, this compensation also facilitates the provision by of certain services to you at no charge. The website does not include all financial services companies or all of their available product and service offerings.