How to prepare and return your mortgage documents
When it’s time to get your home loan back on track, we’re here to help. Use these video guides to make sure you sign, initial, and date all the right pages—with the right color of ink (black).
Video how-to guides for your home loan paperwork.
The past few years have been tough. Fortunately, many people protected their homes by pausing or reducing their mortgage payments. In 2020 alone, Flagstar provided relief to more than 100,000 homeowners with forbearance on their mortgages, and we continued helping customers throughout 2021.
Now, we’re here to help you get your payments back on a regular schedule. The videos below will walk you and your notary through every step of the paperwork required for a mortgage modification or partial claim.
If you have any questions, please call us at (800) 393-4887, Monday-Friday 8:30 a.m.-9 p.m. ET.
Follow these step-by-step instructions to complete your loan modification paperwork.
Flagstar Bank
How to sign your Home Loan Modification Documents
Thank you for being a Flagstar Bank Customer.
Please follow along for step-by-step instructions on how to complete your Home Loan Modification Documents.
Before you begin:
Understand the terms.
Carefully read the enclosed document, Summary of Proposed Modification Terms.
Prepare to sign the documents.
Enclosed, you’ll find three copies of the Loan Modification Agreement.
Review and confirm the accuracy of your documents.
All three must be signed in front of a Notary.
Bring proof of identification to your signing.
Sign all documents in black ink only.
Sign your name exactly as it appears on the document.
Now we’ll walk through the instructions outlined in the Borrower and Notary Instructional Checklists.
Share these instructions with the Notary before signing.
First, review the Borrower & Co-Borrower Checklist.
Next, review the Witness Checklist.
(If applicable. Check your documents to confirm whether your state requires a witness to be present.)
Now you’re ready to begin signing.
Follow these steps with your Notary to complete your documents.
Please note: You must complete the documents while sitting with your Notary, and a witness (if applicable).
Go to page 5.
On the first line:
Sign your name exactly how it is written on the document. If the document contains a middle initial, be sure to include that when signing.
Date with today’s date (must match the Notary’s date).
Remember to use black ink only when signing this document.
On the same page under Borrower Acknowledgement, the Notary will enter in the country during signing.
Here the Notary enters today’s date (example: 1st day of January, 2022) and prints borrower’s name.
The Notary will sign and print their name on the next two lines. List the identification used by the Notary for ID verification.
Do not fill out page 6. It will be completed by the lender.
Go to page 8.
Sign your name (do not print) exactly how it is written on the document. Date with Today’s date (should match the Notary’s date).
Go to page 9.
You will sign and date on page 9 as well.
Follow these same steps on the 2nd and 3rd set of documents so you have 3 completed, signed, and notarized versions.
Next, submit the documents.
Mail two sets of the signed documents back to Flagstar using the enclosed pre-paid Overnight Envelope by the deadline.
Flagstar requests two copies to ensure a back-up is always retained.
Keep one set of the signed documents for your records.
Send the funds due.
Send the total funds due by the modification first payment due date using one of the following payment methods. Please review the Explanation of Total Funds Due for payment details.
Pay by Mail
Send payment to: Flagstar Bank 5151 Corporate Dr. W-110-2 Troy, MI 48098
Pay in Person
Pay at a participating Western Union agent location. Please visit westernunion.com for additional information.
Questions?
Please call us at (800) 393-4887, Monday-Friday, 8:30-9 p.m. ET.
Follow these step-by-step instructions to complete your partial claim paperwork.
Flagstar Bank
How to sign your COVID-19 Standalone Partial Claim Documents
Thank you for being a Flagstar Bank Customer.
Please follow along for step-by-step instructions on how to complete your COVID-19 Standalone Partial Claim Documents.
Before you begin:
Understand the terms.
Carefully review the terms of your Partial Claim Agreement.
Prepare to sign the documents.
Enclosed, you’ll find three copies of the Partial Claim Agreement.
Review and confirm the accuracy of your documents.
All three must be signed in front of a Notary.
Bring proof of identification to your signing.
Sign all documents in black ink only.
Sign your name exactly as it appears on the document.
Now, we’ll walk through the instructions outlined in the Borrower and Notary Instructional Checklists.
Share these instructions with the Notary before signing.
First, review the Borrower & Co-Borrower Checklist.
Next, review the Witness Checklist.
(If applicable. Check your documents to confirm whether your state requires a witness to be present.)
Now, review the Notary Checklist.
Now you’re ready to begin signing.
Follow these steps with your Notary to complete your documents.
Please note: You must complete the documents while sitting with your Notary, and a witness (if applicable).
Go to page 2.
Sign your name exactly how it is written on the document. If the document contains a middle initial, be sure to include that when signing.
Date with today’s date (must match Notary’s date).
If you have a co-borrower, they should sign and date on the second borrower line.
Remember to use black ink only when signing this document.
Go to page 5.
On page 5, on the two lines at the top where it says “Borrower”, each borrower will sign their name and date with today’s date.
Remember to have your co-borrower sign the second BORROWER line (if applicable).
On the same page under “Borrower Acknowledgement,” the notary will enter in the county during signing.
Here the Notary enters today’s date (example: 1st day of January, 2022) and prints borrower’s name.
The Notary will sign and print their name on the next two lines.
List the identification used by the Notary for ID verification.
The notary’s stamp/seal goes in the blank space below “Type of Identification Produced.”
Go to page 7.
On page 7, on the two lines at the top where it says “Borrower,” each borrower will sign their name and date with today’s date.
Remember to have your co-borrower sign the second BORROWER line (if applicable).
Go to page 8.
Don’t forget to sign the Errors and Omissions Compliance Agreement on page 8.
Sign and date again on the line where it says “Borrower.” Remember to have your co-borrower sign the second BORROWER line (if applicable).
Follow these same steps on the 2nd and 3rd set of documents so you have 3 completed, signed and notarized versions.
Next, submit the documents.
Mail two sets of the signed documents back to Flagstar using the enclosed pre-paid Overnight Envelope by the deadline.
Flagstar requests two copies to ensure back-up is always retained.
Keep one set of the signed documents for your records.
Send the funds due.
Send the total funds due by the modification first payment due date using one of the following payment methods. Please review the Explanation of Total Funds Due for payment details.
Pay by mail
Send payment to Flagstar Bank 5151 Corporate Dr. W-110-2 Troy, MI 48098
Pay in Person
Pay at a participating Western Union agent location. Please visit westernunion.com for additional information.
Questions? Please call us at (800) 393-4887, Monday- Friday, 8:30 a.m.-9 p.m. ET.