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Your homebuying journey
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Buying a home is one of the largest investments you’ll ever make. With a Flagstar mortgage expert in your corner, the process becomes much easier. From prequalification to finding the right loan to closing—we’ll be there for you.

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Prefer to talk? Call us at 855-372-5626

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Best Mortgage Lenders for First-Time Homebuyers

Forbes, 20251

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Best Mortgage Lender Overall

NerdWallet 20242

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Everything you need for a confident home purchase

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Simple application process

Apply online or over the phone.

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Competitive loan rates

We help you save with real, transparent pricing.

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Extensive product set

Competitively priced conventional, FHA, VA, USDA, and specialty loans.

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Mortgage lending across the U.S.

Home loans available in all 50 states.

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Apply online, call us at 855-372-5626, or complete this form to get in touch with our lending experts.

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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 process to support you.

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We’re here to help every step of the way

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Apply online

Start your application here. Don't worry—if you get stuck, we're just a phone call away.

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Call us

We'll help you start your application, and answer all your questions.

1Forbes named Flagstar one of its Best Mortgage Lenders for First-Time Homebuyers, 2025.

2NerdWallet named Flagstar Best Mortgage Lender Overall, 2024.

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