In my 8 years in real estate, I have never been more amazed at just how incompetent a mortgage lender can be. My buyers chose this company because they quoted a 3.99% rate beating out my trusted lender who quoted 4.2%. Not only was the closing delayed due to Flagstar's incompetence, my buyer was railroaded into a 4.51% rate and he was never told about it. It just appeared on the Settlement statement at the higher rate. I will leave out the account executive's name who has coincidentally 8 years in the mortgage lending business but he is by far the worst I have ever dealt with. If you are looking for a lender, my advice is to consult with a Realtor that can refer you to one that won't let you down in the end.