We have had nothing but trouble with Flagstar Bank-mortgages. We chose an impound account in order to not worry about saving and paying our taxes and hazard insurance. For an entire year, I have to monitor to make sure they make our payments. The latest snafu is they did not pay our home insurance. I called them a week before it was due and the rep said she would take care of it. Nope! Two days before I called again and another rep said she would handle it. We went an entire week without insurance. Why am I doing their job? Therefore, you can guess why I would highly NOT recommend them.