The service is rude and incompetent. They will hold your check until your payment is late, and then charge you a late fee.
They even changed their mailing address without notification, so my check came back, and of course was then late after I had to call them to get the new address, and mail it again...
Calling them is so frustrating... no one cares.
They tell you they will correct your account... and then do nothing.
I am now looking for a new lender, and can't wait to be rid of them.
Flagstar is the WORST bank I have ever had the misfortune to be involved with.