Flagstar is here to help

We understand the significant impact natural disasters can have on many of our customers, their families, and communities. We would like to reassure those of you affected that we are here to help you during this difficult time.

If your home is in a FEMA declared area (https://www.fema.gov/), we have already added you to a list of customers for whom:

  • Are automatically enrolled in a 90 day payment relief plan—permitting 3 months of payment flexibility following the disaster declaration date, and repayment solutions for those who cannot make up the payments during the impacted period.
  • Will not be charged any late fees for 90 days
  • No negative credit information will be reported to the credit bureaus for 90 days, ensuring  your credit score won’t be affected by your missed payments

Flagstar has a special, no paperwork, Hurricane Relief Program, to help manage the payments that will come due at the end the 90 day period. To learn more please call us at (800) 393-4887, Monday – Friday 8:30 a.m. – 9 p.m. ET. If you choose to opt-in to the program, you will be provided a single point of contact to help establish a repayment plan and review additional options (including financial hardship relief, and many loan modification options that could potentially include term extensions, interest rate adjustments, and payment reductions.

Frequently Asked Questions

Payment Inquiries

Can Flagstar waive my mortgage payment until I can get back on my feet?

Federal Assistance

What type of government assistance is available to me?

Insurance Inquiries

How do I file a claim?

I have filed a claim. How long will it take to receive the funds?

I have received a check from my insurance company for damages to my home, but Flagstar Bank is a payee on the check. How do I get the check endorsed?

What happens if I was impacted by a flood, but don’t have flood insurance?


Can't find the answer to your question? Call us.

General Loan Servicing Support
For general loan servicing and payment assistance, please contact our Customer Service Department at (800) 968-7700, Monday-Friday 7:30 a.m.-8 p.m. or Saturday 7:30 a.m.-4 p.m. ET.

Insurance Claims
For insurance claims assistance, please contact our Insurance Claims Department at (866) 734-8160, Monday-Friday 8:30 a.m.-5 p.m.

Financial Hardship Relief
If you are experiencing a financial hardship because you have been impacted by a disaster and are unable to make your mortgage payment, please call our loan counselors at (800) 393-4887, Monday-Friday 8:30 a.m.-9 p.m. ET to discuss options such as repayment plans, loan modifications, and other hardship assistance

  • (800) 968-7700