What a waste of time and money. Flagstar took my application. Appraised my home at $170, 000 below market. My rep tried to get the appraisal re-done, but after several weeks of wasting time, I went to another lender who appraised my home $170, 000 highter than the appraiser that Flagstar used. I ended up having to put thru a credit card dispute to get back my appraisal fee. The appraiser actually comped my home against a modular home that had 1700square feet still unfinished. The whole second floor was 2 by 4's. Flagstar said that with... read full review »