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Specialty Loan & Mortgage Services

For higher-priced homes, multiple properties, or self-employed income, choose an experienced lender that’s developed custom mortgage solutions for more than 35 years.

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.

Specific mortgage needs? Our specialty loans are standing by.

Your finances and lifestyle can’t be confined to a form. That’s why Flagstar offers specialty mortgage solutions for borrowers just like you. Contact us to find the right financing for multiple properties, higher priced homes, or unique sources of income, such as passive income from owning a business. 

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Financing and documentation

If you own a business or don't receive a W-2 from an employer, we have options for you.

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Higher-cost homes

Buy the home you truly want with a high-balance conforming loan or a jumbo nonconforming loan.

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Multiple properties

Financing to own or buy several properties at once, ideal for 7 – 10 properties

Flexible loans to fit your unique situation

If you are looking to finance purchasing a high-priced home or multiple properties, a specialty loan could be right for you. Contact us today to work with a mortgage expert who can help you with everything—from selecting the right loan to navigating documentation to getting you to closing on time. 

  • Multiple property loan: A conventional, conforming loan available with a fixed or adjustable interest rate
  • Jumbo adjustable rate mortgage: Financing up to $3 million with an initial fixed rate for 5, 7, or 10 years, options for a minimal down payment
  • High balance loan: A conventional loan for areas designated as high–cost  available with a fixed or adjustable interest rate 

Our specialty mortgage services

When it comes to lending, we understand that mortgages aren’t a one-size-fits-all solution. That’s why Flagstar offers several specialty mortgage loan options to meet various needs and situations. 

For 7 – 10 Properties

Multiple Property

Finance multiple properties simultaneously with this specialty mortgage. Property owners often use this loan to own or buy several properties at once.

  • Fully amortizing, conventional conforming first-lien mortgage
  • Fixed and adjustable rates
  • Ideal for borrowers with 7 to 10 properties

High Value Homes

Jumbo Adjustable Rate1

Get a lower rate for the first few years by financing your luxury home with a jumbo adjustable-rate mortgage (ARM).

  • Loan amounts up to $3 million
  • Initial fixed interest rate for 5, 7, or 10 years
  • Options available with a minimal down payment

Conventional Loan

High Balance

Living in a high-demand area comes with higher housing costs. A high balance loan could be the key to making it happen. Also an available option for refinancing a current loan.

  • Available with a fixed or adjustable interest rate 
  • For higher cost areas that exceed the conforming loan limit
  • To purchase a home or refinance a mortgage

Let’s find the perfect mortgage for you

If you're like most people, buying a home is the largest purchase you'll ever make, but you don't have to go it alone. Talk to the friendly, competent, and trustworthy experts at Flagstar to find a home loan that's right for you. 

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.

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. 

Everything you need to know about home loans

Whether you're an expert or a first-timer, find the ins and outs of mortgages here. Learn what it takes to qualify for a loan, discover the different types of mortgages, and finally understand what an escrow account is for. 

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Home loan basics

Learn how mortgages work, the differences between adjustable and fixed interest rates, and more.

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The mortgage process

Get a step-by-step breakdown, from prequalifying to inspections to closing and beyond. 

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Mortgage Loan Calculators

Calculate your house-hunting budget, monthly payments, closing costs, and more.

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Current mortgage rates

View our competitive mortgage rates for all types of home loans.

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:

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Adjustable rate mortgages

Don't let the word “adjustable” keep you away from a great loan. Find out if an ARM is right for you.

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Professional loans

Doctors, attorneys, CPAs, and other highly trained professionals can become homeowners sooner with a professional mortgage from Flagstar.

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Jumbo loans

Discover how a jumbo loan can be a smart way to finance higher-priced homes. 

1With 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.

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