Skip to main content
Cindy Stovern, (NMLS ID 785550)

Cindy Stovern

Senior Loan Advisor

NMLS ID: 785550

I’m ready to use my years of hands-on experience with home lending to provide exceptional service and personalize a mortgage that’s custom-fit for you.

Apply Now Contact me

256 East Front Street

Buchanan, MI 49107

About Cynthia Stovern

 

Welcome to my webpage!

 

Having been in banking since 1992 and mortgage since 2011, I am experienced in all aspects of your mortgage process and dedicated in providing you with the highest level of customer service and integrity.

 

While lending in all 50 states, I offer a full range of products, from first-time homebuyers with down payment assistance to second homes and investment properties. Professional loans, renovation loans, construction loans, and government lending are also in my toolbox, which allows me to be your one-stop shop for home loans.

 

Living near Lake Michigan and its abundance of inland lakes also lets me be your lake loan specialist. Simply call, text, or email me or fill out the form below, and I will contact you with personalized solutions to meet your specific needs.

 

Thank you, and I look forward to hearing from you.

Mortgage Specialization

  • Adjustable-Rate Mortgages
  • Condominium Financing
  • Construction Loans
  • FHA Government Loans
  • First-Time Home Buyer Programs
  • Fixed-Rate Mortgages
  • Investment Property Loans
  • Jumbo Loans
  • Low-to-Moderate Income Lending Program
  • Pre-Qualifications
  • Professional Loans
  • Renovation Loans
  • Second Homes
  • USDA Rural Housing
  • VA Government Loans

Languages Spoken

  • English

Why Flagstar

Why choose Flagstar? Because we’re powered by our Human Interest Rate – the interest in our customers that powers mortgage solutions built around their unique needs.
Play Flagstar Bank Video
Find the loan product that's right for you.
Are you looking to purchase a new property or refinance an existing one?

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.

Monthly Mortgage Payment Calculator

My Products of Specialization

Let's work together to find the right financing solutions for you, built around your unique needs.

Find a mortgage solution for your unique situation, including jumbo loans, higher-cost areas, or multiple properties.

Looking to build your dream house or make substantial improvements to your current home? Start here.

Special home lending products backed by federal and state governments offer significant savings to those who qualify.

Cindy Stovern, (NMLS ID 785550)

Cindy Stovern

Senior Loan Advisor

NMLS ID: 785550

I’m ready to use my years of hands-on experience with home lending to provide exceptional service and personalize a mortgage that’s custom-fit for you.

Apply Now Contact me

256 East Front Street

Buchanan, MI 49107

Request a Contact

Fill out the information below and I'll reach out to you shortly.


Contact Preference

By clicking submit, you understand the information is being provided to Flagstar Bank in accordance with our online privacy statement.
* = required

Today's Rate

Apply Now

1Rate as of 9/26/2022 2:23 PM EDT. 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 $1,604. 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 9/26/2022 2:23 PM EDT. 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 1.612% of the loan amount and origination fee of $1,295 with 180 monthly payments in the amount of $2,091. 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  9/26/2022 2:23 PM EDT. 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 $1,583. 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.

Cindy Stovern, (NMLS ID 785550)

Cindy Stovern

Senior Loan Advisor

NMLS ID: 785550