I applied for a VA home loan with Flagstar in May 2016. I had nothing but a great experience with them. We closed the loan in about 4 weeks. My loan officer returned any calls I made within one day. I would reccomend them to anyone. I live in WI and their bank is in Michigan. No problem because there really aren't sny more "local" banks. My advice is, if you use them and have a problem, call your loan officer and let them handle it!.