Flagstar Bank Flagstar® Bank Loans Learn More Annual Percentage Rate (APR) Apply online for personalized rates; fixed-rate and adjustable-rate mortgages included Types of loans Conventional loans, FHA loans, VA loans, USDA loans, jumbo loans, adjustable-rate mortgages, construction loans, professional loans and Community Loans Terms 8 - 30 years Credit needed 620 Minimum down payment 0% if moving forward with a USDA loan See our methodology, terms apply.