Ben Flores
Loan Advisor
NMLS ID: 1837069
Whether you're a first-time buyer, purchasing a second home or simply refinancing, I can personalize a home lending solution that’s tailor-fit to your needs.
Apply Now Contact meAbout Ben Flores
Welcome! As a proud member of Flagstar Bank's Home Lending Division, I am committed to helping homebuyers and homeowners with their mortgage needs.
Born and raised in Michigan, I specialize in the southeast part of the state, but I can also assist with mortgage loans in all 50 states. There is nothing more rewarding than offering a family complete confidence when purchasing a new residence, and I look forward to being of service to you.
Currently living in Ferndale, Michigan, I enjoy golfing, running, and spending time in the community with family and friends.
I'm available early morning to late evening, any day of the week. I look forward to the opportunity to serve you.
Mortgage Specialization
- Adjustable-Rate Mortgages
- Condominium Financing
- Construction Loans
- First-Time Home Buyer Programs
- Fixed-Rate Mortgages
- Investment Property Loans
- Jumbo Loans
- Pre-Qualifications
- Professional Loans
- Renovation Loans
- Second Homes
Client Testimonials
Hear what my previous clients have to say about my work.
Why Flagstar
Financial Calculators
If you're looking to buy a new home, we're here to help you plan ahead and see how much your mortgage may cost. Figuring out monthly mortgage payments is an important part of financing your home, sweet home. Enter the potential cost of your property and loan information into our mortgage payment calculator to see the breakdown of your estimated monthly payments and overall expected loan payoff schedule.
Ben Flores
Loan Advisor
NMLS ID: 1837069
Whether you're a first-time buyer, purchasing a second home or simply refinancing, I can personalize a home lending solution that’s tailor-fit to your needs.
Apply Now Contact meRequest a Contact
Fill out the information below and I'll reach out to you shortly.
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1Rate as of 12/6/2023 10:33 AM EST. The APR calculation is based on a 30-year fixed-rate mortgage in the amount of $240,000 for the purchase of a single-family, primary residence with 80% loan-to-value (LTV) or 48,000% down payment, minimum borrower credit score of 740, and estimated points of 1% of the loan amount and origination fee of $1,295 with 360 monthly payments in the amount of $1,611. Payment amount does not include taxes and insurance which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV and other credit factors. A LTV ratio above 80% may result in a need for mortgage insurance. If mortgage insurance is required, the amount of your payment will increase. The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors. All borrowers are subject to qualification, underwriting approval, lender terms and conditions. Terms, conditions, and rates are subject to change without notice.
2Rate as of 12/6/2023 10:33 AM EST. The APR calculation is based on a 15-year fixed-rate mortgage in the amount of $240,000 for the purchase of a single-family, primary residence with 80% loan-to-value (LTV) or 48,000% down payment, minimum borrower credit score of 740, and estimated points of 1% of the loan amount and origination fee of $1,295 with 180 monthly payments in the amount of $2,079. Payment amount does not include taxes and insurance which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV and other credit factors. A LTV ratio above 80% may result in a need for mortgage insurance. If mortgage insurance is required, the amount of your payment will increase. The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors. All borrowers are subject to qualification, underwriting approval, lender terms and conditions. Terms, conditions, and rates are subject to change without notice.
3Rate as of 12/6/2023 10:33 AM EST. The APR calculation is based on a 30-year fixed-rate mortgage in the amount of $240,000 for the purchase of a single-family, primary residence with 96.5% loan-to-value (LTV) or 8,400% down payment, minimum borrower credit score of 740, and estimated points of 1% of the loan amount and origination fee of 1,295 plus 1.75% FHA funding fee with 360 payments in the amount of $1,435. Payment amount does not include taxes and insurance which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV, mortgage insurance premiums and other credit factors. Program terms available may vary based on the state and county in which the financed property is located. The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors. All borrowers are subject to qualification, underwriting approval, lender terms and conditions. Terms, conditions, and rates are subject to change without notice.
Ben Flores
Loan Advisor
NMLS ID: 1837069