Skip to main content
Close

Before you go

You are leaving Flagstar.com

Mortgage Refinance

A refinance could help you lower your monthly payments, reduce your interest rate, or access cash to pay for what you need. 

Here’s what refinancing could do for you

There are many reasons to refinance. Maybe interest rates are lower, or your credit score is higher. Maybe you want to switch from an adjustable to a fixed rate or vice versa. Whatever your motivation, we can help you decide if refinancing your mortgage is the right move for you.

Ready to refinance? Apply today.

Choose the most convenient way to get started. Whether you're wondering if it's a good time to refinance your mortgage or you're ready to roll, we're here to help at every step.

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.

Access cash with a home equity line of credit.

If you have a great mortgage now, you don't have to give it up to access the cash you need. With a home equity line of credit (HELOC), you can keep your current mortgage and access funds for education, a new kitchen, or another large expense. 

A couple smiling while working on a laptop computer and smartphone
Icon of a trophy

7th Largest Bank Mortgage Originator

Inside Mortgage Finance, Q4 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.

Flagstar Home Equity Line of Credit (HELOC) is a variable rate, revolving line of credit secured by primary residence and second home. Offer not valid in Texas, Puerto Rico, or the U.S. Virgin Islands. The Annual Percentage Rate, fees and charges vary by product and property state.

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.

Consolidating or refinancing debt may increase the time and/or the finance charges/total loan amount required to repay debt.

Consult your tax advisor regarding the deductibility of interest

Flagstar Bank NMLS# 417490