• Collateral can be owner-occupied commercial real estate
  • Maturity is typically one to five years
  • Up to 20-year amortization
  • Repayment terms include principal and interest
  • Funds advance at loan closing
  • Fixed monthly payment
  • Interest rate is fixed or floating
  • Fees include a set-up fee, annual fee, and out-of-pocket costs

To be eligible for these programs your business should:
  • Meet established lending requirements and obtain credit approval
  • Be established for at least three years
  • Have a satisfactory business and personal credit history
  • Have no bankruptcies within the last 10 years
  • Be profitable with sufficient cash flow to meet both your new and current financial obligations
  • Have adequate business income to support the real estate loan with no reliance on investment income


To Open an Account:
  1. Download and complete a business loan application
  2. Collect the necessary paperwork as outlined in the application checklist
  3. Apply at your local Flagstar branch

*Subject to credit review.

Fair Lending Statement

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