Flagstar mortgage recast: rules and fee
Every figure below is taken from Flagstar loan servicing site and was checked on 27 Aug 2026. Where Flagstar publishes nothing, the row says so rather than guessing.
Verified 27 Aug 2026 Servicer’s own page
Minimum lump sum
$10,000
$10,000 minimum
Recast fee
$250
Up to $250
Excluded loan types
See note
VA, FHA, GNMA, USDA, Interest-only, Option ARM
Timing & frequency
See note
90 days if the loan was transferred; up to 90 days to process
Primary source
Flagstar loan servicing site — myloansflagstar.com — checked 27 Aug 2026. The exact document URL is not recorded here; see methodology.
Escrow
Not published. A recast fixes principal and interest. It does not fix the escrow portion of your bill, which is billed separately and can still move with taxes and insurance.
Price a recast on these rules
The calculator prefills Flagstar's $250 fee and warns below their $10,000 minimum.
Ad slot — below the policy
Reserved 280px in CSS. Fixed position, no auto ads, no layout shift.
Other servicers
Compiled and verified by Moh Bami, Tampa, FL, on 27 August 2026. This page states what Flagstar publishes. It is not mortgage advice, and it is not a quote.