BEWARE of FLAGSTAR Bank - They SUCK!! Unfortunately my mortgage was sold to Flagstar Bank. They SUCK!! They increased my mortgage $125 without my approval! My insurance company sent multiple letters to them because they said I didn't have enought coverage. I DO! DON'T use this bank company if you can help it. I had no choice!!! THEY ARE AWFUL!!!!

I applied for a HELOC with Flagstar due… I applied for a HELOC with Flagstar due to their advertisment of low / no fees. I lived in Michigan previously and knew the name. My credit report was pulled immediately. I was presented with a list of items to submit which I returned indicating higher "income" changes would show within 60 days. I was declined due to debt/income ratio without considering the increased income. Further, the loan/to/value ratio (their calculation) was less than 70%. I do no care about the line of credit. What I care about is the negative impact on my credit report for 2 years. CONSUMERS be mindful that all credit inquiries remain on your credit report for 2 years. As few as 3 will lower your credit score. My personal opinion is that lenders should pre-qualify based upon a "soft-pull" of your credit.

Everyone else has already said it so well...the worst! Everyone else has already said it so well, in a nutshell: this is an absolute joke of a mortgage holding company. Want a tangible example? In the year 2023 A.D., they don't have a functional app. And the browser platform gives all kinds of (inaccurate) error messages, setting up auto-pay is a nightmare, they call you over and over without saying why. Truly difficult to imagine there could be any options worse than them. Like so many others, I had no choice in the matter. C'mon, Flagstar, get your SH&T together!

flagstar has been awesome flagstar has been awesome. we use them for our credit card and mortgage. love that i can call customer service even on weekends and they can assist with questions or requests. we even pay bills through them. one stop shop.

Mortgage customer service is completely… Mortgage customer service is completely unprofessional, they delayed the payoff process after selling the property for more than 2 weeks and simply "football" you between departments. Nobody does anything to help, they just come up with excuses why they can't do it, a bunch of slackers, and no sense. I highly recommend not working with this company, and if such a misfortune occurs, be prepared for complete indifference and ignoring you as a client.