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When you're ready to purchase a home, prove you're a serious buyer by obtaining a prequalification letter. A prequalification requires an evaluation of your credit worthiness based on your income, assets, debts, and past credit use. By evaluating these factors, Flagstar can help you qualify for a home loan and determine how much you can afford to borrow.
To get prequalified today, apply now with our quick and easy online application, call a Flagstar Bank home loan qualification consultant at (855) 372-5626 or contact your local bank branch.
Along with your income, assets and debts, your history of credit management is an important factor when applying for your home loan qualification. Three national credit reporting agencies continuously monitor your use and re-payment of credit, including credit cards, car loans and any other short- or long-term loan. All three agencies report information in five distinct categories:
Because each credit agency has different reporting techniques, and since two or more credit reports will be compared when evaluating your home loan qualification application, you should know what each report contains and correct any errors. You can, and should, dispute any mistakes. You can order your credit report or dispute information that it contains by contacting the agencies listed below.
PO Box 740241
Atlanta, Georgia 30374
PO Box 390
Springfield, Pennsylvania 19064
PO Box 949
Allen, Texas 75013