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Before you go
There are many reasons to refinance. Maybe interest rates are lower, or your credit score is higher. Maybe you want to switch from an adjustable to a fixed rate or vice versa. Whatever your motivation, we can help you decide if refinancing your mortgage is the right move for you.
Do the math (the easy way)
Should you refinance your mortgage? Use our loan calculators to run different scenarios to see how refinancing could affect your wallet.
Ready to refinance? Apply today.
Choose the most convenient way to get started. Whether you're wondering if it's a good time to refinance your mortgage or you're ready to roll, we're here to help at every step.
Apply online
Start your loan application here. Don't worry—if you get stuck, we're just a phone call away.
Speak with a loan advisor
We'll help you find the right loan, start your application, and answer your questions.
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.
Access cash with a home equity line of credit.
If you have a great mortgage now, you don't have to give it up to access the cash you need. With a home equity line of credit (HELOC), you can keep your current mortgage and access funds for education, a new kitchen, or another large expense.
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.
Best Mortgage Lenders for First-Time Homebuyers
Forbes, 20251
Best Mortgage Lender Overall
NerdWallet 20242
Simple Application Process
Apply online or over the phone
Expansive Product Set
Competitively priced conventional, government, and specialty solutions
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Flagstar Home Equity Line of Credit (HELOC) is a variable rate, revolving line of credit secured by primary residence and second home. Offer not valid in Texas, Puerto Rico, or the U.S. Virgin Islands. The Annual Percentage Rate, fees and charges vary by product and property state.
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.
Consolidating or refinancing debt may increase the time and/or the finance charges/total loan amount required to repay debt.
Consult your tax advisor regarding the deductibility of interest
Flagstar Bank NMLS# 417490