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Banking FAQs

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Loan Servicing FAQs

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Online & Mobile Banking FAQs

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Online Banking Demos

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Mobile Banking Demos

Learn the basics and all the tips and tricks with these step-by-step interactive demos.

Corporate Connect Demos

Discover valuable tips and tricks to get the most out of Corporate Connect through these interactive demos.

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Contact us

Personal Banking
 

Banking, online, loan, and account support

888-248-6423
Monday–Friday: 8 a.m.–10 p.m. ET
Saturday–Sunday: 8 a.m.–5 p.m. ET

 

Telephone banking

888-248-6423

 
Overdrafts, overdraft lines of credit, and Bounce Protection payments

Flagstar Bank
301 West Michigan Avenue, 4-501
Jackson, MI 49201

 

Private Bank

24/7 support: 866-744-5463

Loan and Mortgage
 

Loan servicing and MyLoans® support

800-968-7700
Outside the US: +1-248-312-6500
Monday–Friday: 7:30 a.m.–8 p.m. ET
Saturday: 7:30 a.m.–4 p.m. ET

 
24-hour automated loan support

800-968-7700

 
Home loan financial hardship 

800-393-4887
Monday–Friday: 8:30 a.m.–9 p.m. ET

 
Mortgage lending

844-451-8720
Monday–Thursday: 9 a.m.–8 p.m. ET
Friday: 9 a.m.–7 p.m. ET
Saturday: 10 a.m.–3 p.m. ET

 
Construction and personal loans, home equity lines of credit, and mortgage payments

Flagstar Bank
P.O. Box 660263
Dallas, TX 75266-0263

If you believe there is an error (Notice of Error) or if you need additional information (Request for Information) relating to the servicing of your mortgage loan, you must send a written Notice of Error or Request for Information to the following address: Flagstar Bank, Attn: NOE/RFI, 2B-116, 5151 Corporate Drive, Troy, MI 48098-2639. Your Notice of Error or Request for Information must include your name, loan number, and sufficient detail to inform Flagstar of the basis of your Notice of Error or Request for Information.

Business and Commercial

 

Commercial and business banking support

888-757-1140
Monday–Friday: 8 a.m.–8 p.m ET
Saturday: 8 a.m.–5 p.m. ET

 

Telephone banking

888-757-1140

 
Treasury management

888-757-1140
Monday–Friday: 8:30 a.m.–5 p.m ET.

 
Warehouse lending

800-642-0039
Monday–Friday: 8:30 a.m.–9 p.m. ET

 

Commercial loan payments

Flagstar Bank 5151
Corporate Drive, E-203-1
Troy, MI 48098

 

Government and public funds banking

888-254-5417
Monday–Friday: 8 a.m.–4:30 p.m. ET

 

Wholesale lending

866-945-9872
Monday–Friday: 8:30 a.m.–9 p.m. ET

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Visit a branch.

1The sample annual percentage rate (APR) is based on the Wall Street Journal prime rate (index) as of 12/3/2023, plus a margin. The sample APR reflects a primary residence combined loan-to-value (CLTV) ratio of 80% or lower, and a 0.25% interest rate discount that is available for HELOCs with monthly automatic payments (ACH) established and elected at the time of application to be paid from a borrower’s Flagstar Bank deposit account. Actual APR remains variable for the life of the loan and will be based on the published Wall Street Journal prime rate (index) in effect, plus a margin determined by the borrower's credit qualifications, the amount of the line of credit, lien position, CLTV ratio, type of property, and other factors. Effective 12/3/2023, the current variable APR will range from 9.49% to 21.00%; it will not exceed 21.00% APR. Rates apply to new HELOC accounts and may not apply to existing HELOC accounts.

Flagstar Home Equity Line of Credit (HELOC) is a variable rate, revolving line of credit secured by a primary residence (1- to 4- unit residential homes and modular homes) or secondary residence (1- unit residential homes). HELOC loan amounts can vary between $10,000 and $1 million with a combined loan-to-value (CLTV) ratio of 85.00% or lower. Annual fee is $75 per year and is waived the first year. The HELOC must remain open for at least 36 months to avoid payment of closing fees, including, but not limited to, title, appraisal, document signing fee, and recording fees. Loan amounts greater than $500,000 require borrower-paid Lender's Title Insurance. Borrower is responsible for paying all applicable government taxes and fees at closing as permitted by law. There is a 10-year draw period in which minimum monthly payments are due. If interest-only payments are selected during the 10-year draw period, only paying the minimum payment may not reduce the principal balance. During the 20-year Repayment Period, if any, your minimum payment for each Billing Cycle will equal the greater of $100 or the amount sufficient to repay the Account Balance in full by the Maturity Date in substantially equal payments plus the Finance Charges that accrued for that Billing Cycle and other fees, charges, and costs. The borrower is responsible for separate payments of property taxes and insurance. Property insurance is required; if the collateral is determined to be in an area having special flood hazards, flood insurance will be required as well. The borrower must have verifiable income. Offer not valid in Texas, Puerto Rico, or the U.S. Virgin Islands. For qualified borrowers. Subject to credit approval, underwriting approval, and lender terms and conditions.

2Flagstar Home Equity Loan (HELOAN) is a fixed-rate and term loan for loan amounts of $10,000 to $1 million with amortization options of 10, 15, and 20 years secured by primary residence; specifically, 1- to 4-unit residential homes and modular homes. The annual percentage rate (APR) of 8.04% APR is effective as of 12/3/2023. The APR calculation is based on a $75,000 loan amount, 20-year term loan in second lien position, with an 80% or lower combined loan-to-value (CLTV), and 240 monthly payments of $418.22, and reflects a 0.25% interest rate discount for monthly automatic payments established and elected at the time of application to be paid from a borrower's Flagstar Bank deposit account. The actual APR may vary due to loan programs being offered, lien position, credit history, rates in effect at the time of application, loan-to-value (LTV), amortization terms, and other factors. The APR is based on loan amount, loan term, interest rate, and includes an estimated 15 days of prepaid interest. The APR may change if the loan amount, interest rate, loan term, or number of days of prepaid interest changes. Interest rate discount of 0.25% is available for HELOANs with monthly automatic payments (ACH) established and elected at the time of application to be paid from a borrower’s Flagstar Bank deposit account. APR is subject to change at any time prior to consummation. No bank-imposed closing costs. Borrower will be responsible for prepaid interest and all applicable state and government specific charges and taxes. Property insurance is required; if the collateral is determined to be in an area having special flood hazards, flood insurance will be required as well. Borrower will make monthly principal and interest payments. Borrower is responsible for paying separate property taxes and insurance. Rates apply to new HELOAN accounts and may not apply to existing HELOAN accounts. Borrowers must have verifiable income. Offer not valid in Texas, Puerto Rico, or the U.S. Virgin Islands. Not a commitment to lend. Programs available only to qualified borrowers. Subject to credit approval, underwriting approval, and lender terms and conditions. Programs subject to change without notice. HELOANs are only offered through a Retail Banking Branch. Some restrictions may apply.

3Not all devices supported. Available for eligible personal and business deposit account customers only.

4Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Android, Google Play, and the Google Play logo are trademarks of Google Inc.