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About Flagstar
Flagstar
Bank, headquartered in Troy, Michigan, is a growth-oriented
community bank with approximately 170 banking centers in Michigan,
Indiana and Georgia. Chartered in 1987 as a federal savings bank,
today Flagstar has assets approaching $16 billion.
Our Business
Flagstar
offers a full line of banking products for consumers and businesses,
as well as a variety of consumer loans ranging from automobile to
boat, home equity to home improvement. Flagstar is a leader in home
lending, delivering home loans through a nationwide network of
retail offices and wholesale agents, as well as online through
flagstar.com and via a toll-free phone number. Flagstar also is
active in the commercial real estate market and currently lends in
20 states.
From its
earliest days, Flagstar has looked for fresh ways to put technology
to work for its customers and today is recognized as a pioneer in
paperless mortgage processing. In fact, for four consecutive years
Mortgage Technology magazine has named Flagstar one of the
Top 25 Tech-Savvy Lenders.
Our Commitment
Despite its
rapid growth, Flagstar has never lost touch with its origins as a
community bank or its pledge to provide value and convenience to its
customers. With its signature sit-down banking and real-people hours,
Flagstar personifies its tagline — convenience you can count on.
Flagstar Bank
is a subsidiary of Flagstar Bancorp, which is listed on the New York
Stock Exchange under the symbol FBC. The company is the largest publicly
held savings bank headquartered in the Midwest.
Apply Now! |
Construction Home
Loans
How to finance your
custom dream home or commercial building
|
Sherry L. Creighton
Sr. Loan Originator
Flagstar Bank
100 Mill Plain Road Danbury, CT 06811
Ph 203-791-8105 FX 203-794-1724
Cell 203-948-8209
Email Sherry Now!
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3 great reasons to call
Sherry Creighton for your mortgage
Honesty and Integrity. Sherry's career in residential lending
started over 10 years ago, after working in the insurance industry and
serving for the United States military. Sherry's core values are
honesty,
integrity,
reliability, professionalism, helpfulness, accuracy, timeliness, and
responsiveness. Sherry is not a transactional lender, she has a highly
competent team of professionals to handle your transaction, including
on-staff underwriting, which allows her to deliver superior service and
maintain 100% control of the entire transaction. Sherry's goal is to be
the most well respected lender in the industry.
Knowledgeable.
Sherry is a a focused mortgage
specialist. A mortgage is a very significant financial event.
Sherry specializes in mortgages full time, and she does it exceedingly
well. That's what you want: someone who's focused on the mortgage
marketplace and your needs. View her
complete resume
Personal Attention.
You need a mortgage plan that is a custom fit for you, and Sherry stays
in touch with you during your mortgage years. Keep in mind that her
business is built primarily through referrals from satisfied customers,
so your positive mortgage experience is essential for her ongoing
business growth.
Apply Now! |
Sherry Creighton is a highly dedicated
residential & commercial mortgage specialist with over 10 years of
experience in the field. She began her career as a loan
processor/originator concentrating on residential mortgage products.
In 2001, she further expanded her knowledge base beyond
residential loan products to include commercial, mixed use and
construction loan products as well. Sherry has been described by her
clients as “honest, hard working and a wealth of knowledge”.
An abundance of Sherry’s clients are repeat
customers with first time clients being referrals. Sherry has
received numerous accolades from her clients for making sure
they are fully informed about their transactions from start to
finish. There are no surprises at the closing table!!
Sherry is not just a mortgage banker/broker;
she is a mortgage counselor and can find the perfect loan
solution for you.
Are you thinking of
building your new dream home or renovating an existing home?
Flagstar offers solutions to meet your financing needs both
during construction and when the property is complete.
Benefits
-
Our construction home loans offer:
- Funding for all
construction phases.
- Assistance with
managing the construction of your home.
- Payments issued
directly to the builder, saving you time.
- One-stop-shopping
for your short-term construction and permanent mortgage
financing.
New Construction and Permanent
Financing as One Loan
Flagstar's single loan new
construction programs give you the convenience of one loan with the
stability of a 15 or 30-year fixed rate program that you lock in
before construction begins. These loans allow for a construction
phase of up to one year, during which you make interest-only
payments at an interest rate slightly higher than your permanent
fixed rate. |
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Testimonials
"I have had the pleasure of working with Sherry Creighton to
obtain a commercial loan to build my Building Technology
Center. It is s a very unique project and many lenders looked
at the loan and made many false promises, but Sherry was the
only one that delivered. Her knowledge and dedication were
exemplary and she never failed to go the extra mile. No less
than a dozen lenders were presented with the loan, originally a
$1,200,000 loan with a 47% loan to value. With the mortgage
industry being in flux my best offer was going to charge me 9%
and 3 points. Sherry got me 6.75% and 1.5 points. Sherry
was also able to get more done for me in 2 months than the other
lender was able to accomplish in over a year.
I would highly recommend Sherry as a business professional
and would extend my highest regard for her as a human being."
-Steve Schappert
Builder,
Broker, Developer
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New Construction and Permanent
Financing as Two Loans
This short-term program
provides funds for the construction phase of a new home. Then, after
construction is completed, you have the flexibility to select the
Flagstar mortgage product that best suits your needs to establish
permanent financing for the home. The advantages of a two-loan program
include:
- During construction, the
loan has an adjustable interest rate and you make interest-only
payments each month. The loan allows for a construction phase of up to
nine months.
- Two closings permit a
variety of loan terms for permanent financing, including an adjustable
interest rate, jumbo loan, an interest-only option or the ability to
provide limited income and/or asset documentation.
Home Renovation Loan
If you're looking to add onto
or renovate an existing property, consider the benefits of a Flagstar
home renovation loan! This program allows borrowers to combine the
purchase or refinance of a property with the costs needed to renovate or
remodel. With a renovation loan, you make a fully amortized principal
and interest payment both during and after the construction phase of the
project. Some of the benefits include:
- Building funds are held in
an interest-earning escrow account during the construction process.
After all renovation work is complete, any funds remaining in this
account are applied to the principal balance of your loan.
- Funds for completed work are
disbursed directly to the contractors, saving you time.
- Contractors' work must be
inspected and approved before funds will be distributed, giving you
extra protection to ensure the work meets local building regulations.
- Soft costs such as
architectural services, engineering and permit fees may also be
financed.
Apply Now!
Contact Sherry Today,
and take the
first step in building your new home!
Sherry L. Creighton
Sr. Loan Originator
Email Sherry Now!
Flagstar Bank
100 Mill Plain Road Danbury, CT 06811
Ph 203-791-8105 FX 203-794-1724 Cell 203-948-8209
Apply Now!
Additional Mortgage Resources
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