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Home Loans

Whether you're buying your first home or want to get more out of the one you have, a customized loan from Flagstar will get the job done.  

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.

Let’s find the right home loan for you

Mortgage decisions are easier with a team of experts in your corner. Tell us about your new home, your household, and your budget, then, together, we’ll find a mortgage to match.

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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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Home Equity Solutions

Get the extra cash you need with a home equity loan or line of credit.
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Cash-out Refinance

Use your home equity to consolidate debt, remodel your home, buy another property, or pay for whatever you need.
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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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Specialty Loans

Mortgages for higher priced homes, high-cost areas, or multiple properties.
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Professional Loans

Mortgages designed for the unique needs of lawyers, CPAs, doctors, and certain other professionals.
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Home Building and Remodeling Loans

Start here to build your dream home or make substantial improvements to your current home.
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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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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.

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

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.

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.

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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Buy a Home

Looking to buy your first home or already familiar with the process? We have a wide range of mortgage options to match you and your family's needs. 

Refinance

Refinancing your home can help you achieve a variety of goals. It can lower your monthly mortgage payments, reduce your interest rate, and free up some cash that you can use to pay off debt or invest in other areas of your life.
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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. We're here to help you find the right home loan for your needs and budget.

1Rate 6.375% with an APR of 6.466% as of 6/5/2026 6:20 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.

Consolidation or refinancing debt may increase the time and/or the finance charges/total loan amount required to repay debt. The amount of the cash-out refinance is based on the current equity in your home and can vary. No minimum cash out amount required.

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