Welcome to the Retail Website!

Current Turn Times

 FSB Underwriting 24-48 hours

USDA Commitment Turn Times           Currently working on files from    8/12/2022

FHLB Funds 

Funds available as of 8/15/2022        $114,000

Jumbo Loan -12 Step Process

Step 1 -  LO will start loan in Mortgagebot labeled Conventional 30.

Step 2  - LO will review matrices and guides from FlagStar to make sure loan fits program.

Step 3  - LO will upload all documentation to ImageFlow and will send completed pre-qual request to [email protected].

Step 4 - Once the LO has this back they can get a quote on the rate from Secondary. Email [email protected] with the details for a quote.

Step 5 -  After the LO confirms the rate they can final the loan for initial disclosures.

FYI Loan will follow normal file flow from there as far as getting disclosures signed and going to processing.

Step 6 -  Complete the FlagStar Loan Checklist Form. Upload the form to ImageFlow under Notes to Underwriter. For Lender Contact enter Wayne Pierce 815-676-0987 and the email address should be [email protected]

Step 7 - When file is submitted to Underwriting the processor will e-mail [email protected] to advise that it has been submitted.

Step 8 - File will be submitted to FlagStar for underwriting by our Operations team. Allow for extra review time as published turn times on our website will not apply.

Step 9 -  When approval comes back Operations will upload approval to Image Flow and add conditions to Mortgagebot.

Step 10 -  Operations will change status to U/W Approved w/ Conditions and notification will go out.

Step 11Loan can be locked with Secondary at this time.

FYI Conditions and ICD will be handled as normal process.

Step 12 - When final approval is received Operations will update Mortgagebot and move to final approval.

FYI Scheduling will be done as normal files.


Jumbo Loan Prequal Form

FlagStar Jumbo Express (a summary of the Jumbo Product)

FlagStar Jumbo Non-Agency Guidelines

FlagStar Jumbo Documentation Tips

FlagStar ARM Job Aid

FlagStar Conventional/Jumbo Checklist

Important IT Information

IT Support

[email protected]


Ext 111

Please use for ANY IT related issues. IT issues do not equate to password resets except on Office 360. Mortgage Support will assist with all other password resets, DU/LP assistance, Doc Magic, etc...

Who to Reach Out to For Help (cheat sheet)

Denial/Withdrawal Process

Not sure if you should deny, withdraw or archive? This Cheat Sheet will help you know!

When a file needs to be denied, please fill out this denial form and upload it to the file. Quick & easy!

If the loan will be denied/withdrawn and has been DISCLOSED but NOT UNDERWRITTEN, follow these steps:

  1. 1003 is to be completed in full. Borrowers names, SS number, current address, subject property city/state/zip and TBD address(if one is not available).
  2. Complete the Loan Summary information at the bottom of the Borrower Summary Page. Enter the loan terms to the best of your knowledge, including product type.
  3. Fill in the income on every borrower
  4. Fill in your declarations on every borrower
  5. Complete the Government monitoring section for each borrower. Double check that how the app was taken is completed for all
  6. Add in the notes section of the file "It is the borrower's intent to apply for joint credit" when you have an application with more than one borrower on it.
  7. 7. Upload to Imageflow the credit report, AUS findings and any information that clarifies why the loan is being denied or withdrawn.
  8. 8. Email [email protected] to request the completion of the denial or withdrawal

If the loan does not meet our matrix but has not been disclosed, the file must be denied. Follow the same procedure as above!

If the loan meets our matrix/requirements and is considered a prequal but the borrower will not be proceeding - the file can be archived.

If the loan HAS been UNDERWRITTEN and the file must be denied or withdrawn, follow these steps:

  1. Upload the documentation that led to the decision to deny or withdraw.
  2. Upload a note to the UW identifying the reasons for the decision
  3. Final the file or direct your processor to final the file back to underwriting
  4. The underwriter will finish the process of denying or withdrawing the file

New Funding Authorization Process

Effective 5/9/22

Questions regarding the updated process can be directed to [email protected]

The goal of this new process is to save time for the borrower, LO and funding team at closing by streamlining the process when no PTF's are needed at closing.  If All PTF's are cleared prior to the closing package being delivered to the Title Company, then there will not be a funding authorization required.  The PTF's that must be cleared are: PTF UW and PTF Compliance  

Use these resources to understand this process further:

PTF Conditions Defined

Funding Requirements - No PTF's

Funding Requirements - Auth Required

Funding Requirements - Portfolio/Construction

Important Emails

Computer Issues

[email protected]

Help Desk/Support

[email protected]

Lock Desk/Secondary Questions

[email protected]

Compliance Condition Questions

[email protected]

Underwriting Questions

[email protected]

Closing Department

[email protected]


[email protected]

Rush requests

[email protected]

Request For Disclosures/Re-Disclosures

[email protected]

Request for Updated ICD

contact your processor and provide them with a COC - ICD Request for the changes!

Lock Desk & Secondary Pricing Policies

Pricing Policies

      Retail Pricing Policies

Knowing Your MSA and pricing to it

      MSA Chart - All FSB Areas - currently working on COVID 19 MSA. Contact your Regional Sales Manager for other areas, as needed

      Working in Other MSA Areas

Other Secondary Policies