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Current Mortgage Interest Rates

Find the right type of home loan with the rate and term that work best for you. 

We’re here to help every step of the way.

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Ready to apply online?

Start your loan application here. Don't worry—if you get stuck, we're just a phone call away.  

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Speak with a loan advisor.

We'll help you find the right loan, start your application, and answer your questions.

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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.

Compare rates

Spend a few moments to get a better idea of your bottom line. Are you looking to purchase a new property or refinance an existing one?

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.

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Mortgage Affordability Calculator

Before you start shopping, learn how much house you can afford. 

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Monthly Mortgage Payment Calculator

Discover what makes up your payment and what fits into your budget.

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Mortgage Down Payment Calculator

Find out how different down payments affect the cost of 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.

Icon of a computer monitor and smart phone

Ready to apply online?

Start your loan application here. Don't worry—if you get stuck, we're just a phone call away.

Icon of a person with a speech bubble in front of them

Speak with a loan advisor.

We'll help you find the right loan, start your application, and answer your questions.

Icon of a person standing next to a map location symbol

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.

7th Largest Bank Mortgage Originator

Inside Mortgage Finance, Q3 2023

Why choose Flagstar?

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.

You may also be interested in:

A smiling child sits on their parent's shoulders in front of their new house
Navigating a competitive housing market

Find the best tools, resources, and ideas to stand out from the crowd and land the home you want.

Home loan basics

If you’re considering buying a home and don't know where to start, you’ve come to the right place. 

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Refinance

Learn how refinancing your mortgage could make your life a little easier. 

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