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!.