FDIC-Insured—Backed by the full faith and credit of the U.S. Government
A refinance could help you lower your monthly payments, reduce your interest rate, or access cash to pay for what you need.
Prefer to talk? Call us at 855-372-5626
Best Mortgage Lenders for First-Time Homebuyers
Forbes, 20251
Best Mortgage Lender Overall
NerdWallet 20242
Free up cash
Tap into your home's equity to access funds for home improvements, debt consolidation, or other major expenses.
Lower your monthly payment
A lower monthly payment could add breathing room to a tight budget or make funds available to invest in retirement or education.
Shorten your loan term
A refinance could help you pay off your mortgage faster so you spend less on interest.
Apply online, call us at 855-372-5626, or complete this form to get in touch with our lending experts.
By clicking submit, you understand the information is being provided to Flagstar Bank in accordance with our online privacy statement.
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.
Start your application here. Don't worry—if you get stuck, we're just a phone call away.
We'll help you start your application, and answer all your questions.
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.
The actual amount of the cash-out refinance is based on the current equity in your home and can vary. No minimum cash out amount required. The cash out dollar amount shown is based on 80% loan to value (LTV) of your estimated, current home market value, minus your existing loan amount, to determine equity that may be available for cash-out. Estimate Market Value is provided by an Automated Valuation Model (AVM) that uses real estate information such as comparable sales, property characteristics, and price trends to provide a current estimate of market value for specific property. Consolidation or refinancing debt may increase the time and/or the finance charges/total loan amount required to repay debt. The amount of the cash-out refinance is based on the current equity in your home and can vary. No minimum cash out amount required.
Consolidation or refinancing debt may increase the time and/or the finance charges/total loan amount required to repay debt.
The amount of the cash-out refinance is based on the current equity in your home and can vary. No minimum cash out amount required.
Consult your tax advisor regarding the deductibility of interest
Flagstar Bank NMLS# 417490