We are a mortgage specialists dedicated to finding you the right loan with total transparency and confidence you need in every step of the way.
How we work
We take the time to understand your financial goals and unique situation before recommending the right mortgage solution. From pre-approval to closing, we guide you every step of the way, coordinate the details, and keep the process moving smoothly. Our goal is to make financing simple, transparent, and stress-free-so you can focus on finding the perfect home.
Fiorella Giusti-Barrera, owner of Haven Home Lending, has been named by UWM the Fastest Purchase Closer for the last four consecutive years
We have helped more than 1000 families buy their dream home
Our owner has more than 25 years of experience helping you to find the perfect loan
This year, we have processed up to 35 same-day approvals
We closed more than 150 loans since 2021
We have been able to clear to close more than 41 loans in just 8 days since 2021
Testimonials
The team of Haven Home Lending have been very helpful through the whole process of getting pre-approved until close. Fiorella answered all of our questions and concerns right away and always followed up in a timely manner. We are fortunate to have worked with Fiorella
Fiorella is a seasoned mortgage industry veteran. She is knowledgeable, kind, professional and goes to bat for her partners and clients more than most do. She works hard to ensure that her clients are getting the best available loan products and services without compromise. I highly recommend Fiorella with five stars.
FAQs
That’s a great question—and the honest answer is, it depends. Interest rates change daily and are based on a number of factors like your credit score, down payment, loan type, and even the property itself.
What most people don’t realize is there isn’t one lender who always has the “lowest rate,” and focusing only on rate can actually cost more over time. What really matters is how your loan is structured to fit your goals—both now and long term.
The best way to find your exact rate is with a quick, personalized consultation where we can look at your full picture and give you accurate options.
Most first-time buyers are surprised by this—you typically don’t need 20% down.
There are loan programs that allow as little as 3% down, and in some cases even 0% depending on eligibility. The right option depends on your goals, income, and overall financial picture.
My job is to walk you through those options and help you choose the one that makes the most sense for you—not just upfront, but long term as well.
There are two ways to look at this: what you can qualify for, and what you’re comfortable with.
Online calculators usually only look at surface-level numbers, but they don’t account for your full financial picture or your lifestyle goals.
What I do differently is help you understand a comfortable monthly payment first, then build a strategy around that so you can buy confidently without feeling stretched.
The process is actually much simpler than most people expect when it’s guided the right way.
It starts with a quick consultation where we understand your goals and numbers. From there, we get you pre-approved, help you structure the right loan, and then support you all the way through closing.
You’ll always know what step you’re in and what’s coming next—no guesswork, no surprises.
That’s an important question—and one I think every buyer should ask.
Many online lenders and big banks focus on speed and volume, but they often take a one-size-fits-all approach.
What I do is take the time to understand your full financial picture and help you make a smart, informed decision—not just offer a rate. I also stay hands-on throughout the entire process so nothing falls through the cracks.
At the end of the day, it’s about making sure you feel confident in your decision and supported from start to finish.
Copyright © 2026 | Haven Home Lending
NMLS #326741 | Licensed In: CA
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Answer Home Loans, Inc. is a Licensed Real Estate Broker,
California Department of Real Estate DRE #02058505 | NMLS #1729528
