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Buy a Home

Start here to plan your next move. We offer a wide range of mortgage solutions, and we'll help you find the one that's perfect for you.

We’re here to help every step of the way

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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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Call us at
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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.

So, how does getting a mortgage work?

Buying a home is a big deal, and there are many ways to finance it. Understanding the basics of a home loan will get things off to a great start. Learn about the steps in the process, the paperwork you'll need, and what makes up your monthly payment.

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The mortgage process

You've already found the right lender. Now it's time to learn the steps from getting prequalified to closing on your new home.
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Mortgage FAQs

What is escrow? How much do you need for a down payment? Find the answers to all your mortgage questions here. 
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6 Questions to Ask Your Home Loan Advisor

Before you close on your new home, we'll work together to answer these essential questions.

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.
View all calculators

What's the right home loan for you?

Mortgages come in all shapes and sizes, but it’s all about finding the perfect fit for your lifestyle and budget. Take a look at the types of loans we offer, and let us know how we can help.

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Fixed Rate Mortgages1

A consistent interest rate and predictable monthly payments make this our most popular home loan. Terms available from 8-40 years.
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Adjustable Rate Mortgages (ARM)

An ARM usually has a lower initial interest rate than a fixed rate loan, which means paying less during the early years.
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Government Home Loans

U. S. Department of Veterans Affairs (VA), Federal Housing Administration (FHA), and other government-sponsored loan programs offer significant savings to those who qualify.
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Community Lending and Home Loan Programs

Learn about down payment assistance, grants, and special programs that make homeownership possible. 
Explore current rates

Manage your loan your way with MyLoans®

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.

Learn more
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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.

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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.

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.

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Best Mortgage Lenders for First-Time Homebuyers

Forbes, 20252

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Best Mortgage Lender Overall

NerdWallet 20243

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Simple Application Process

Apply online or over the phone

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Expansive Product Set

Competitively priced conventional, government, and specialty solutions

You may also be interested in:

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Navigating a competitive housing market

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

With an adjustable-rate mortgage (ARM), your <5/6, 7/6, 10/6 > loan will have an initial fixed-rate period of <60 months, 84 months, 120 months>. After the fixed-rate period, your interest rate will adjust up or down according to market rates at the time of the reset. Your payment amount will vary based on any adjustment in the interest rate after the fixed-rate period and your monthly payment may increase. Your variable rate can adjust every six months for the remaining life of the loan.

1Rate 6.375% with an APR of 6.466% as of 6/11/2026 12:20 AM UTC. The APR calculation is based on a 30-year fixed-rate mortgage in the amount of $240,000 for the purchase of a single-family, primary residence with 80% loan-to-value (LTV) or 20% down payment, minimum borrower credit score of 740, and estimated points of 1% of the loan amount, and origination fee of $1,295 with 360 monthly payments in the amount of $1,497. Payment amount does not include taxes and insurance which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV and other credit factors. A LTV ratio above 80% may result in a need for mortgage insurance. If mortgage insurance is required, the amount of your payment will increase. The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors. All borrowers are subject to qualification, underwriting approval, lender terms and conditions. Terms, conditions, and rates are subject to change without notice.  

2Forbes named Flagstar one of its Best Mortgage Lenders for First-Time Homebuyers, 2025.

3NerdWallet named Flagstar Best Mortgage Lender Overall, 2024.

Flagstar Bank NMLS# 417490