Program benefits & guidance

Welcome to Flagstar’s mortgage affinity program! With over 30 years in the mortgage business, Flagstar Bank is proud to offer home loans nationwide. As the 6th largest bank mortgage originator2, you can trust that you’re working with knowledgeable and experienced lenders who truly understand your needs.

Our mortgage affinity program provides access to exclusive discounts and personalized solutions, making your home lending journey simpler and more affordable. We’ve created this site to empower you and put you in control of your home lending experience. Supporting you aligns with our core values of care and commitment to our team members.

You can contact us to speak with one of our experienced loan officers, explore your options online, and even apply directly through our site. Homeownership is a major milestone, and we’re here to help you achieve it.

If you have any questions, feel free to call us or visit our learning center. Thank you for choosing Flagstar and allowing us to provide an online mortgage solution for you.

Program benefits:

  • $1,3951 Discount on closing costs: Significant savings on mortgage closing costs.
  • Nationwide lending: Access to mortgage options nationwide.
  • Down payment assistance: Mortgage down payment assistance programs available.
  • Flexible loan solutions: Primary, secondary, and investment property options

Expert guidance:

  • We use a consultative approach to ensure a smooth and informed experience for every client
  • We guide team members through each stage of the process to make the journey seamless.
  • We assist:
    • First-time homebuyers
    • Existing homeowners looking to lower their payments
    • Existing homeowners looking to take cash out of the equity in their home, either with a new first mortgage or HELOC
  • We provide tailored solutions that meet each employees’ unique needs.

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. Important information will be provided to you in the disclosures you receive after we have received your application, and the loan documents you are provided at loan closing. Please consult your tax advisor regarding the deductability of interest. 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.

1 Borrower will receive a credit at close of escrow of $1,395. The borrower is responsible for all other closing costs and prepaid expenses. This offer is for qualifying loans only and cannot be used to reduce any other mortgage fees or combined with any other mortgage fee reduction offer. Offer is nontransferable.

2 Inside Mortgage Finance 6th largest bank mortgage originator, Q3 2024.