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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.

¹A preapproval is an initial determination of an applicant’s ability to borrow up to a certain amount. It is based upon certain assumptions resulting from an initial review of incomplete credit information criteria. A preapproval is not an approval of a completed application nor is it a commitment to lend or a guarantee of any particular loan product, features or terms. Final loan approval follows a comprehensive analysis of an applicant’s creditworthiness, the satisfaction of all product-specific underwriting requirements and conditions and property acceptability and eligibility. Interest rate may be locked for 60-90 days without any rate lock fee. For rate locks greater than 90 days, the extended rate lock requirements apply. Consult with your loan officer for rate lock terms and fees.

²Rate with an APR of as of . The APR calculation is based on a 30-year fixed-rate mortgage in the amount of $240,000 for the purchase of a single-family, primary residence with 80% loan-to-value (LTV) or 20% down payment, minimum borrower credit score of 740, and estimated points of 1% of the loan amount, and origination fee of $1,295 with 360 monthly payments in the amount of . Payment amount does not include taxes and insurance which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV and other credit factors. A LTV ratio above 80% may result in a need for mortgage insurance. If mortgage insurance is required, the amount of your payment will increase. The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors. All borrowers are subject to qualification, underwriting approval, lender terms and conditions. Terms, conditions, and rates are subject to change without notice.

³Rate with an APR of as of . The APR calculation is based on a 30-year fixed-rate mortgage in the amount of $240,000 for the purchase of a single-family, primary residence with 96.5% loan-to-value (LTV) or 3.5% down payment, minimum borrower credit score of 740, estimated points of 1% of the loan amount, and origination fee of $1,295 plus 1.75% FHA funding fee with 360 payments in the amount of . Payment amount does not include taxes and insurance, which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV, mortgage insurance premiums, and other credit factors. Program terms available may vary based on the state and county in which the financed property is located. The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors. All borrowers are subject to qualification, underwriting approval, and lender terms and conditions. Terms, conditions, and rates are subject to change without notice.

⁴Rate with an APR of as of . The APR calculation is based on a 30-year fixed-rate mortgage in the amount of $240,000 for the purchase of a single-family, primary residence with 100% loan-to-value (LTV) or 0% down payment, minimum borrower credit score of 740, and estimated points of 1% of the loan amount plus 2.15% VA funding fee with 360 monthly payments in the amount of . Payment amount does not include taxes and insurance, which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV, and other credit factors. Program terms available may vary based on the state or county in which the financed property is located. The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors. For eligible veterans. All borrowers are subject to qualification, underwriting approval, and lender terms and conditions. Terms, conditions, and rates are subject to change without notice.

⁵Promotional Annual Percentage Rate (APR) is available for the first 6 billing cycles after the account open date and is subject to initial draw requirements and other exclusions. For lines of credit greater than $50,000, the initial draw must be the greater of 50% of the full line amount or $50,000. For lines of credit less than $50,000, the initial draw must be the full line amount. For properties in Texas, an initial draw is not required however, if a draw is taken it must be for at least $4,000. Promotional rates are available for new HELOC accounts that are secured by a primary residence. Purchase transactions or refinances of existing Flagstar loans are not eligible for promotional rates. No other discounts are available during the promotional period. Offer can expire at any time.

⁶This sample APR is for illustrative purposes only and is subject to change. It is based on the Wall Street Journal Prime Rate (WSJPR) Index as of 7/3/2025, plus a margin. Sample APR reflects a primary residence transaction (outside the states of CA or NY) with the following characteristics: qualifying credit score of 760 or higher; loan amount of $200,000 or higher; Combined Loan to Value (CLTV) of 60% or lower. It also includes a 0.250% interest rate discount for setting up automated monthly payments from a Flagstar deposit account prior to closing and continuously maintaining automated payments after closing. Note: ACH discount will only apply after promotional rate expires. Important Information. A HELOC is a revolving line of credit secured by a 1-4 unit residential or modular home. After any promotional period ends, the APR and payments will be based on the WSJPR Index plus a margin. Since the WSJPR Index may change periodically, the APR and payments are variable and may increase or decrease multiple times over the life of the HELOC. The margin is fixed and is based on specific characteristics of the credit application, including credit score, line amount, property type, lien position, CLTV and geographic location. The APR will never exceed 21% or be less than the margin. Fees to open a HELOC generally range between $0 and $10,000. A fee of $75, waived for the first year, will be charged annually thereafter. Flagstar pays customary closing fees which does not include additional required fees for loans over $500,000 or some government taxes and fees. If the HELOC account is terminated within 36 months of account opening, borrower repayment of closing fees will be required. Borrower is also responsible for making separate payments for property insurance and flood insurance (if loan is in a flood zone). HELOCs are offered in all 50 states and the District of Columbia.

Properties in Texas: Property type is limited to 1-unit residential structure with a maximum CLTV of 80%. There are no annual fees nor requirement for repayment of closing fees. Considerations. Programs for qualified borrowers. All borrowers are subject to credit approval, underwriting approval, and product requirements. Fees and charges may vary by state and are subject to change without notice. Some restrictions may apply. Not a commitment to lend. Consolidating or refinancing debt may increase the time and/or the finance charges/total loan amount required to repay the debt. Consult your tax advisor regarding the deductibility of interest. Important information will be provided to you in the disclosures you receive after we have received your application and within the loan documents you are provided at loan closing.

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