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Innovative products for today’s borrowers

Designed to help you succeed

In a turbulent market, your clients turn to you for more than just financing. They need your guidance and confidence to feel that they are making informed, financially sound decisions.

We can help you ease their minds and generate more business. Flagstar’s expansive product set features competitively priced solutions that you can customize to match each client’s needs. Start with these specialty loans, recently enhanced to help more borrowers secure home financing.

Advantage Non-QMs

Up to $3.5 million on Advantage Plus; Advantage Non-QM allows 600 minimum credit score, lower reserve requirements, as well as 40 year and I/O options.

Advantage Bank Statements and Advantage Bank Statements Plus products available.

Jumbo Premier

Up to $3 million on purchase and R/T refinance. Up to $2.5 million on cash-out refi. Options for second homes and investment properties. 680 FICO, No MI required. IPCs accepted; borrower must contribute minimum of 5%.


Piggybacks and standalones, $50,000-$500,000 line amounts, 680 minimum credit score.

Minimum initial draw requirement at closing must equal the greater of $50,000 or 75% of the full line amount.

One-Time Close Construction Loans

Up to $3 million loan amounts on ARMs, with a simple and flexible draw process.

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Why Flagstar?

Flagstar is a well-capitalized bank with a stable balance sheet and a strong commitment to the mortgage space. With $113 billion in total assets, we have the resources to help our clients succeed in any market condition. Just as we’ve been doing for over 35 years.

For real estate and financial business professionals only. Not an advertisement for an extension of credit to consumers. 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. See Product Guide for specific terms. Not a commitment to lend.