Know what you can really afford.

Real lending guidelines. 5,000+ combinations checked to find the loan options others miss — then a roadmap to get you there.

Ask Haven anything — get a quick first pass in seconds.

Just income and location gets you a first pass. Add details to sharpen it.
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What you get

Your real borrowing power

Lenders stop at 43% DTI. We find up to 56.99% with compensating factors most calculators ignore.

Best-fit loans, ranked

FHA, Conventional, ARM, USDA, Jumbo — ranked by what works for you, not what's easiest to sell.

What's close

Loans you almost qualify for and exactly what it takes to get there — a debt payoff, a few FICO points, a bit more savings.

Your roadmap

Specific steps — FICO targets, debt payoff order, savings milestones, and when to strike on rates.

Find out what you can really afford.

No credit pull. No commitment. Free to start.