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Your Path to Homeownership Starts Here

Refinance Rates & Programs
Click here if you want to refinance your home mortgage loan to reduce your monthly payment, change the loan term, obtain a cash-out refinance, or consolidate debt.
Purchase Rates & Programs
Click here to explore home purchase options, including current rates, available programs, and estimated monthly payments for your specific scenario.
Get Pre-Qualified
Click here if you are ready to look at homes with a real estate agent and need a pre-qualification letter. It takes 5 minutes or less and is delivered right to your inbox.
Apply for a Mortgage
Click here to easily apply for a mortgage refinance or purchase. Start the process in minutes and move closer to your home ownership goals.

Flagstar Mortgage Options

Conventional

Conventional Fixed Rate1

With a fixed rate loan, the interest rate set at closing remains constant throughout the loan term.

Features
  • A variety of loan terms are available up to 30 years.
  • Down payment programs are available for qualified applicants.
  • Some terms may require Private Mortgage Insurance (PMI) based on down payment amounts.
FHA

FHA Fixed Rate2

FHA loans support low-to-moderate-income borrowers and/or first-time home buyers with lower down payment requirements.

Features
  • Down payments can be just 3.5% of the purchase price.
  • Borrowers with lower credit scores may also be eligible.
VA

VA Fixed Rate3

A VA loans are for active-duty military or honorably discharged veterans.

Features
  • Loans are available with 0% down payment.
  • Borrowers with lower credit scores may also be eligible.
  • No mortgage insurance required

Why Choose Flagstar?

Welcome to Flagstar’s online mortgage experience! Here’s why Flagstar is a great choice for your next refinance or purchase mortgage.

  • Experience & Coverage: We’ve been in the mortgage business for 35+ years and originate home loans in all 50 states, including the Virgin Islands.
  • Knowledgeable: When you work with Flagstar, our seasoned team of experts understand your needs and can provide guidance tailored just for you.
  • Speak with a Loan Advisor: If your preference is to speak with an experienced loan advisor, click on the button above to get connected.
  • Online Process: If you prefer to get started yourself, we have this simple 3-step process.
    • First, shop for your mortgage rate; not just a sample rate but one personalized for your situation.
    • Second, select your rate and apply for your mortgage online.
    • Third, receive a call from a Flagstar loan advisor to begin the loan processing and closing activities.

Mortgage Learning Center

Mortgage Calculator

We have a variety of mortgage calculators to help you review different scenarios and select the mortgage that is best for your situation.

Learn More
Educational Content

We want to empower you to make decisions that help you throughout the mortgage process. Our Learning Center provides you with helpful answers to the most common questions.

Learn More

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. A 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.

1Rate 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.

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 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.

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 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.