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Home Loan Advisors

Buying a home is one of life’s most important financial decisions. Our experienced home loan advisors are here to help.

Learn what’s possible with a mortgage expert in your corner

Finding the best mortgage doesn’t have to be stressful. Whether you’re just starting to look or ready to make an offer, tap into the benefits of our 35+ years of experience helping customers just like you. With hundreds of conventional, government, or specialty loans available, we’ll help you find a mortgage that’s perfect for you.

 

Ready to apply? Talk to a home loan advisor or apply online anytime with our easy-to-use technology.

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7th Largest Bank Mortgage Originator
Inside Mortgage Finance, Q3 2023

 

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Top 50 Mortgage Company
Mortgage Executive Magazine, 2022

 

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Originator Choice Award
National Mortgage Professional

 

Logo for the Nerd Wallet 2024 Best-of Awards

 

Best Overall Mortgage Lender Overall
NerdWallet 2024

 

Logo for the Fannie Mae STAR Performer General Servicing Award

 

STAR Servicing Award
8x Fannie Mae Recipient1

 

Logo for National Mortgage CX Best in Class Award

 

Large Bank Tier

What to expect: Steps in the mortgage process

We work with home loans every day, but most people only deal with them a few times in their entire lives. Here’s a quick overview of the mortgage process for first-time and experienced home buyers. Connect with Flagstar to make your mortgage experience as smooth as possible.

Purchasing a home

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Step 1
Prequalification

Before you start shopping, find out how much home you can afford. Share some details about your income, savings, assets, debts, and past credit use to get a general idea of your budget.

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Step 2
Pre-approval1

This step is the beginning of your mortgage application and a more in-depth look at your finances. We'll help you make sure you have all the documents you need to apply. By the end of Step 2, you'll know the exact amount you qualify for, which is usually good for up to 90 days.

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Step 3

Loan review

Congratulations, the seller has accepted your offer! Now, we'll pass along information about you and the home you want to buy to our underwriters for review.

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Step 4

Loan approval

Once our underwriters approve your loan, we can find a date to close on your mortgage (also known as settlement in some areas).

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Step 5

Closing

The big moment in here! You'll close on your loan and have the funds you need to complete your home purchase.

1A pre-approval is an initial determination of an applicant's ability to borrow up to a certain amount. It is based upon certain assumptions resulting from an initial review of incomplete credit information criteria. A pre-approval is not an approval of a completed application nor is it a commitment to lend or a guarantee of any particular loan product, features or terms. Final loan approval follows a comprehensive analysis of an applicant's creditworthiness, the satisfaction of all product-specific underwriting requirements and conditions and property acceptability and eligibility.

Refinancing your mortgage

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Step 1
Application

Talk to a home loan advisor about your refinance, or apply online with the necessary financial documents.

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Step 2
Appraisal

We conduct an appraisal of your property to determine its current value.

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Step 3
Underwriting approval

Once our underwriters approve your loan, we'll schedule a date for closing.

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Step 4
Loan signing and funding

At closing, you'll sign all the paperwork, and a new mortgage will replace your current one.

Build a career helping people find the right mortgage

Explore the possibilities of working as a Flagstar mortgage professional. Take advantage of our best-in-class integrated technology, marketing support, and an unmatched range of offerings. Apply today to join our winning team!

 

Get started

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Find a Flagstar Loan Advisor

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Home Loan Advisor Careers

Flagstar offers more opportunity for mortgage originators looking to grow their careers.

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Partner With Us

If you are an industry partner like a real estate agent, a builder, or an employer in another industry, Flagstar can offer home lending support for yourself, your clients, or your associates.

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Diversity, Equity, and Inclusion

We understand the importance of having employees, clients, and suppliers who share various backgrounds and views. Learn more about how Flagstar actively encourages DEI in the workplace.

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.

Flagstar Bank NMLS# 417490