Top Flite Financial, Inc

A Hole in One Every Time

Buying a home is an exciting and sometimes stressful time in everyone's life. So many decisions. A new home, maybe a new city. You may be changing jobs, starting over or just starting out. You may be refinancing your current mortgage to lower the rate, improve terms or withdraw equity. Either way, the people at Top Flite Financial understand what you are going through. That's why we work with you and real estate professionals to make the mortgage process as easy and "painless" as possible. We also want you to feel confident about choosing Top Flite as your mortgage lender. Therefore, we've included a brief guide outlining what makes one mortgage company different from another. And of course, we've included a few good reasons on why you should choose us. 

Your Hometown Mortgage Lender

Being a hometown lender means we have a stake in our community. We care about what happens to our schools, our neighborhoods and our future. We also expect to see you again as your home financing needs change and grow. Because of that, we'll take a few extra minutes to make sure you understand and are completely comfortable with your mortgage transaction.  We are large enough to provide the most advanced products and service technologies available, and small enough to make home loans one customer at a time.



Steve Karfis

Branch Manager/Mortgage Banker

A mortgage professional with a knack for being honest and an appetite to make a difference. My career path in the course of 16 years in the mortgage industry and knowledge has helped thousands of clients achieve their goals and dreams of home ownership. Top Flite offers a large array of mortgage products to meet those needs. Whether you are purchasing, upgrading, refinancing your current home or looking to buy an investment property, I will be your single point of contact throughout the entire loan process. I am dedicated and passionate, making sure you get the best loan for your home.

Steve is proudly licensed in: AL,IA, MN, ND, WI

Please feel free to call or email me to discuss all your mortgage options. Thank you.

Heather Zimmermann

Mortgage Banker

Heather has been in the mortgage industry for 12 years. She has been with Top Flite Financial since September of 2007.  She has worked as a loan officer, corporate processor and branch manager. Heather prides herself on knowing all of the ins and outs of buying and refinancing homes - from beginning to end - to insure my customers understand the process in it’s entirely.  Knowledge is power!

Heather is proudly licensed in MN, ND, IN, CA, NM.