Step Forward Program

Many hardworking Americans that pay their mortgage on time are being pushed aside by traditional financial institutions due to hardship, outstanding credit card debt, student loans, and other extenuating circumstances.

The Top Flite Step Forward Program can not only help potential borrowers with credit scores as low as 500 get a cash-out refinance loan, it also puts a plan in place to improve our clients mortgage. We’ll contact you after 6-8 payments to determine your eligibility to refinance into more favorable terms.

Ask us about the Step Forward Program Now!
About The Program

What is Step Forward?

Clients in our Step Forward program not only benefit from having the ability to get the cash they need now at a competitive interest rate, but they get the added value of a “No Lender Fee” refinance after 6 on-time payments to help them reduce their mortgage payment by transitioning from our FHA or portfolio loan into a new conventional mortgage. It’s an additional way we help clients save the most possible on their monthly payments while building back their credit profile.

Client signing paperwork
Borrower's Profile
Who is This For?

Those who have been affected by life events:

  • These borrowers can document and explain the life event
  • These borrowers have a satisfactory credit history prior to the event
  • These borrowers do not display patterns of recent credit delinquency
  • These borrowers are on the road to financial recovery

Those who need to consolidate debt:

  • These borrowers have too much credit resulting in a low credit score
  • These borrowers have several hundreds of dollars per month in minimum payments on non-mortgage debt on short term high interest installment loans or high interest credit cards
  • These borrowers have equity in the property, but have been denied of a refinance due to their credit history or inability to document verifiable income
  • These borrowers may be eligible for a cash-out refinance to pay off debt, saving the borrower thousands of dollars
Apply Now!
How to Apply

Our Loan Process

  • Click “Get Started” below and complete your loan application
  • Get Pre-qualified for up to 80% cash out of your homes appraised value
  • Your dedicated TFF Loan Officer will contact you to go over options
  • Order an appraisal
  • Provide Loan documents needed for final approval
  • Close your loan!
  • Use the cash to pay off derogatory credit, student loans, high interest rate credit cards, collections, judgments, medical bills or simply use the money to make home improvements to increase the value of your home
Get Started
  • Make a minimum of 6-8 house payments on the new loan
  • Pay all of your bills on time
  • Do not open up any new credit accounts or max out any open revolving accounts
  • Your Top Flite Financial Loan Office will contact you to determine eligibility for a lower payment
  • Provide updated loan paperwork and receive a new credit and income approval from underwriting
  • Order a new appraisal to confirm the homes market value
  • Close on the new reduced payment loan!
Get Started
Top Flite employee assisting a client