I am a first time home buyer, I initially have my mortgage pre-approved at Flagstar bank. I called their " Senior manager" a few times to check mortgage rates and different questions about closing costs. I never get a straight answer. They told me one thing, and turned around and did something else.

So, after our home inspection, we are getting ready to write up an estimate, I called again and ask for their rate. I was told, "Flagstar Bank is aggressively working to get you the best rate." I was quoted a rate of 5.875 over the phone. After I received my estimate, it said 5.99% and they have bought a point WITHOUT MY KNOWLEDGE to the closing cost.

Really, THEY DID NOT TRY TO HELP ME. THEIR RATE WAS 6.250 ALL ALONG. The reason I got 5.99 is because they applied $1495 out of what the seller agreed to contribute to my closing costs and bought down a point for me. I WAS NOT AWARE OF THIS AT ALL.

When I called their senior manager to ask him what the deal was, he told me that I am wasting his time and his assistant's time. What a moron. I promptly cancelled my application with them and will NEVER recommend anyone to Flagstar bank again.

I just recently got a home loan with Flagstar and my ex boyfriends name ended up on the title to my house and he keeps getting letters at my address from my loan company. I have to get his name off my house since I am the only one making the payments so I should be the only one on all the papers. I think customer service is everything so take care of the ones that pay your salary. I hope no one has to go through this and having to straighten out a mess like mine has turned out to be on my first home.