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Federal and state governments offer mortgage programs with lower costs and easier qualifications. These loans can be great for first-time homebuyers, those with less-than-perfect credit, and borrowers with low to moderate incomes.
USDA and VA loans require no down payment. Other options need as little as 3.5% down.1
Borrowers who qualify pay less to finance homes in eligible rural areas.
These loan programs keep costs down for borrowers in Connecticut, Michigan, Ohio, and Wisconsin.
Let’s find a mortgage that works for you. Many federal and state loan programs make homeownership possible and more affordable with easier qualifications, less stringent credit requirements, and low interest rates.
We're an approved government lender with the expertise to guide you through the mortgage process, from the time you apply until you get the keys to your new home and beyond.
Let's find a FHA, VA, USDA, or state home loan that's perfect for you. Apply for a government-insured loan to buy, build, or improve a home or refinance your current mortgage.
Low Down Payment
Backed by the FHA, these loans can be a great fit for first-time homebuyers, buyers with limited cash for a down payment, or borrowers with less-than-perfect credit.
LOW INITIAL RATE
This FHA loan features a lower fixed rate for an initial period of 1 to 10 years. After that, the interest rate can increase or decrease once per year.
No down payment
Designed specifically for veterans and active-duty personnel, this loan offers favorable terms and flexible qualified criteria.
LOW INITIAL RATE
This Veterans Administration loan program offers an adjustable rate option with an initial fixed-rate period.
STREAMLINE REFINANCE
A VA IRRRL allows you to refinance your current VA loan with ease.
LOWER COSTS
These loan programs from state housing finance agencies (HFAs) make homeownership more affordable.
Up to 100% Financing
This loan program makes homeownership more affordable for borrowers with low to moderate incomes in rural areas as determined by the USDA.
If you're like most people, buying a home is the largest purchase you'll ever make, but you don't have to go it alone. Talk to the friendly, competent, and trustworthy experts at Flagstar to find a home loan that's right for you.
Start your loan application here. Don't worry—if you get stuck, we're just a phone call away.
We'll help you find the right loan, start your application, and answer your questions.
Connect with a local expert and meet remotely or at a nearby branch. We'll guide you through the entire home loan process.
Sign in to MyLoans anytime to make payments, view your statements, sign up for paperless statements, and more. Everything you need is right at your fingertips.
Whether you're an expert or a first-timer, find the ins and outs of mortgages here. Learn what it takes to qualify for a loan, discover the different types of mortgages, and finally understand what an escrow account is for.
7th Largest Bank Mortgage Originator
We're an award-winning lender with more than 35 years of experience connecting customers to the right mortgage solution for their needs. With hundreds of conventional, jumbo, and government-backed options available, we'll find the right home loan for you, too. Whether you are buying a new home or ready to refinance, you can trust our simple application and streamlined process to get you to closing on time.
Programs for qualified borrowers. All borrowers are subject to credit approval, underwriting approval, and product requirements, including loan to value, credit score limits, and other lender terms and conditions. Fees and charges may vary by state and are subject to change without notice. Some restrictions may apply. Not a commitment to lend. A loan advisor will review and provide you with the terms, conditions, disclosures, and additional details on the interest rates that apply to your individual situation.
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