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Flagstar Bank

16930 Robbins Road
Grand Haven, MI 49417

Phone: 616.604.1928
Fax: 616.935.6836
Click Here & Visit Our Website

Hours of Operation:
Monday - Saturday: 8:30am-5pm

Service Area:
The Lakeshore Area, West Michigan, Grand Haven, Spring Lake, Ferrysburg, Fruitport, Muskegon, Grand Rapids

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Business Information

Who Are We:

Thomas Stearns: Flagstar Bank Branch Manager

16930 Robbins Rd. Ste. 115
Grand Haven, MI 49417
616.604.1928 x 222 phone
616.935.6836 fax

What We Do:

We offer home financing, refinancing and mortgages for new home construction as well.

Business Products:

Home Purchase

With so many great mortgage programs available, there's no reason why you have to wait to buy a home.

• Conventional
• FHA/VA
• Non-Conforming
• Zero-Down Loans

Refinance

Need money to keep up with bills? Refinance now while rates are
still low!
Contact me today to:

• Reduce your interest rate
• Get cash out
• Consolidate debts
• Remodel your home

Innovative & Affordable

We offer a broad range of loan programs to assist you with matching the right financing to your specific needs. Even if you have less than perfect credit or difficulty documenting income, let me show you how I can help maximize your buying power:

• Fixed or Adjustable Rate Mortgage
• Premier Jumbo Loans (up to $1,000,000)
• Sub-Prime 80/20 purchase loans
• Low down-payment options
• Interest Only Options

Construction

Homeowners: Let Flagstar help build your dream home!

• Fixed or Adjustable Rate
• One-Time or Two-Time Closing
• Renovation
• Lot Loans

Builders: We have financing options for you too!

• Builder Spec/Model/ Presold
• Builder Line of Credit

Business Details

Year Founded:

Grand Haven Branch 2005

Ways To Apply

Apply Online

Apply online and submit your application easily and quickly at your convenience.

By Phone

Apply by phone and I will be glad to take your application information over the telephone.

By Appointment

Appointments are available if you prefer to complete your loan application in person.

Mortgage Quote

Request a customized rate quote if you are not ready to complete your loan application at this time.

The Loan Process

Pre-Qualification

Not sure how much home you qualify for? I can help you determine approximately how much money you will be eligible to borrow before you apply for the loan. Pre-qualifications are a calculation based on the information provided by you. A pre-qualification is not a pre-approval.

Loan Programs

Flagstar offers a wide variety of loan programs including:
• Fixed Rate Mortgage (ranging from 10 years to 40 years)
• Adjustable Rate Mortgage
• Low Down and Zero Down programs
• Combo loans (first/second mortgage or HELOC combinations)
• Low to Moderate Income programs
• Reduced Income and Asset documentation programs
• Interest Only programs
• Low Introductory payment programs
• FHA, VA, and Rural Housing programs
• Construction loans (programs for consumers and builders)
• Blemished Credit programs including recently discharged bankruptcies
• Primary, Secondary, and Investment occupancy types
• Properties up to 4 units, Condominiums, and Manufactured Homes*
• Stand Alone Second Mortgage or HELOC programs
• Programs with financed Mortgage Insurance (MI), reduced, or no MI.
• Financing available in all 50 states.
* In limited states *
Programs are available only to qualified borrowers.

The Application

You can apply online, over the phone, by mail, or if feasible, meet in person. The application will provide information necessary to process your home loan financing request including, personal, property, employment, income, asset and liability information. Once the application has been completed I will prepare and send you the appropriate disclosures and submit your loan for underwriting approval.

Interest Rates

Mortgage rates are tied to movements in the financial markets. Since the financial markets are subject to volatile movement on a daily basis (even throughout the day), there are no guarantees what mortgage rates will be at any given time. At the time of application you must choose to either 'Float' or 'Lock-In' an interest rate. A Floating interest rate may be Locked-In at the current prevailing rate at any point during the loan process by contacting me directly.

Underwriting - Conditional Approval

When shopping for a new home, underwriting may take place before or after finding the property you wish to purchase. A conditional approval will be issued identifying the conditions required by underwriting before a “Final Approval Clear to Close” is issued.

Processing - Final Approval

My support staff and I will work with you to collect all the necessary documentation required by the underwriter to close your loan. Once underwriting reviews and accepts the documentation you are ready to close on your loan.

Loan Closing

I will work with you to coordinate a date and time convenient to you , the settlement agent (title company or attorney), and sellers, if applicable to close on your home loan. All loans must close and fund prior to the Interest Rate Lock-In expiration date.