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Emergency & Disaster Relief

In times of emergency, Flagstar Bank has mortgage relief programs in place to help you while you get back on your feet.

Flagstar is here to help

Natural disasters can have a significant impact on many of our customers, their families, and their communities. We would like to reassure those of you affected that we are here to help you during this difficult time with emergency relief.

 

If your home is in a FEMA-disaster area, we have already added you to a list of customers who:

  • Are eligible for enrollment in a 90-day Disaster Relief Program—permitting three months of payment flexibility following the disaster declaration date and offering repayment solutions for those who cannot make up the payments during the impacted period. Please review the Disaster Relief Program Section for additional information.
  • Will not be charged any late fees for 90 days.
  • Will not have negative credit information reported to the credit bureaus for 90 days, ensuring your credit score won’t be affected by your missed payments.

Disaster Relief Program

Flagstar has a special, no-paperwork Disaster Relief Program that will offer you payment flexibility following the disaster declaration date and will help you manage the payments that will be due at the end of the 90-day period. If you choose to opt-in to the program, we will work with you on establishing a repayment plan and review all additional options. This includes financial hardship relief and many loan modification options that could potentially include term extensions, interest rate adjustments, and payment relief.

Learn More

You can find more information regarding federal disaster assistance online at disasterassistance.gov or by calling 800-621-FEMA (3362) or 800-462-7585 for people with speech disabilities or hearing loss (TTY). 

 

Additional information from the Department of Housing and Urban Development can be found online at hud.gov.

FAQs

Payment inquiries

Everyone’s case is different. We encourage you to call us to discuss your circumstance and options that may be available. Options will vary depending on your loan, your situation, and the investor or agency involved. However, if you are in a FEMA-designated area, for three (3) months following the disaster declaration date, or as long as your property remains in a FEMA declared disaster area, we will:


 

  • Automatically block negative credit reporting
  • Automatically block late fees from being assessed on the account

 

If you are experiencing a hardship because you have been impacted by the disaster and are unable to make your mortgage payment, please call us at 800-393-4887, Monday-Friday 8:30 a.m.-9 p.m.

Federal assistance

Those impacted by disasters can find additional information regarding federal disaster assistance online at disasterassistance.gov or by calling 800-621-FEMA (3362) or 800-462-7585 for people with speech disabilities or hearing loss (TTY).

 

Additional information from the Department of Housing and Urban Development can be found online at hud.gov.

Insurance inquiries

Claims are filed via your insurance provider. Please call your insurance agent/company immediately to report your loss.

You can find more information at insuranceclaimcheck.com/flagstar or 833-806-2525, Monday-Friday 7:30 a.m.-8 p.m. ET and Saturday 8 a.m.-3 p.m. ET.

The next steps and time estimates can vary depending on the claim amount and other factors. You can find more information at insuranceclaimcheck.com/flagstar or 833-806-2525, Monday-Friday 7:30 a.m.-8 p.m. ET and Saturday 8 a.m.-3 p.m. ET.

Those impacted by disasters can find additional information regarding federal disaster assistance online at disasterassistance.gov or by calling 800-621-FEMA (3362) or 800-462-7585 for people with speech disabilities or hearing loss (TTY).

 

Additional information from the Department of Housing and Urban Development can be found online at hud.gov.

Can't find the answer to your question? Call us.

General loan servicing support

For general loan servicing and payment assistance, please call our Customer Service Department at 800-968-7700, Monday-Friday 7:30 a.m.-8 p.m. or Saturday 7:30 a.m.-4 p.m. ET.

Insurance claims

For insurance claims assistance, please contact our insurance claims department at 833-806-2525, Monday-Friday 7:30 a.m.-8 p.m. ET and Saturday 8 a.m.-3 p.m. ET.

Financial hardship relief

If you are experiencing a financial hardship because you have been impacted by a disaster and are unable to make your mortgage payment, please call us at 800-393-4887, Monday-Friday 8:30 a.m.-9 p.m. ET to discuss options such as repayment plans, loan modifications, and other emergency relief and hardship assistance.