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.

I’ve had this mortgage company since… I’ve had this mortgage company since 2009 and I must say if you can avoid getting a mortgage through them please do! As of January they are claiming that they’ve never received my payments. When I go to the government CPFB and give them the receipt as proof all of a sudden they find them and blame it on a mix up as to where I should be sending it in the meantime my credit score is impacted! PLEASE DO YOURSELF A FAVOR AND GO SOMEWHERE ELSE!

I've used flagstar for banking for many… I've used flagstar for banking for many years and have generally been satisfied with them. However their recent handling of their (2nd in a year) security breach has me wondering what are their priorities. The breach occurred in Dec 2021 but I was not notified until June 2022. "We determined that one or more impacted files contained your ss#, acct#, name, phone ...". What are they doing about it -- offering a 2 year credit monitoring program with a single credit bureau. "If a new line of credit is applied for in your name you will receive an alert and you may call a specialist who will help you determine if it is an indicator of identity theft". "If you are a victum of identity theft a specialist will work in your behalf to resolve related issues." I would feel a lot better if they offered insurance to repay me for any monetary losses.

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 bank is in no way making any… Flagstar bank is in no way making any attempts to help us save our home. The refuse to process our docs, have hung up on us on several occasions, told us we wont be approved for mortgage assistance,told under review many times only to hv them ask for more docs. Been able to mk pyts for over a year bt they wont tk our payments. Covid Forebearance was a deceitful attempt to steal our homes.