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We’re here to help every step of the way
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.
Let’s do the math (the easy way)
Use our home loan calculators to break down the costs of buying a new home. How does a higher or lower down payment affect your monthly payment? Should you get a fixed or adjustable rate mortgage? Play around with different scenarios so you can make informed decisions about your home loan.
Your new home awaits. Apply today.
Start the mortgage process in whatever way is convenient for you. Whether you're just starting to look or ready to buy, we're here to help from now through closing and beyond.
Apply online
Start your loan application here. Don't worry—if you get stuck, we're just a phone call away.
Speak with a loan advisor
We'll help you find the right loan, start your application, and answer your questions.
Find a loan advisor
Connect with a local expert and meet remotely or at a nearby branch. We'll guide you through the entire home loan process.
Why choose Flagstar?
A mortgage is more than a monthly payment. It’s the foundation of your financial future, giving you peace of mind today while still leaving room for other goals. Flagstar will help you find the right financing for your life from our full range of solutions, including jumbo and government-backed mortgages and home equity lines of credit. Whether you’re buying a home, refinancing, or tapping into your home’s equity, you can count on our decades of experience, make-life-easier technology, and simple application to support you.
Best Mortgage Lenders for First-Time Homebuyers
Forbes, 20251
Best Mortgage Lender Overall
NerdWallet 20242
Simple Application Process
Apply online or over the phone
Expansive Product Set
Competitively priced conventional, government, and specialty solutions
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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