We are the experts in residential mortgages for Conforming, FHA, VA, Jumbo, and Super-Jumbo Mortgages for both purchasing and refinancing your home. We also provide the very best rates for Home-Equity Mortgages and Reverse Mortgages. Moreover, we understand how to structure your mortgage transaction to best benefit you financially.
Our commercial mortgage division can meet most any commercial mortgage needs through our sources of capital from Insurance Companies, Pension Funds, Private Banks, and Hedge Funds. These sources allow us to deliver the most competitive mortgage rates in the commercial mortgage marketplace.
Our commercial mortgage division can meet most any commercial mortgage needs through our sources of capital from Insurance Companies, Pension Funds, Private Banks, and Hedge Funds. These sources allow us to deliver the most competitive mortgage rates in the commercial mortgage marketplace.
Services
Flagstone Financial was founded in 2001 by Cary Michael Cox, who previously had started Vantage Capital Services and Houston Residential Properties. Darren Smith, with his CPA and MBA in finance, was brought on as a partner in 2005 to run the commercial lending division. We offer all mortgage types, though, due to our extensive financial backgrounds we specialize in jumbo & super-jumbo mortgages.
Flagstone Financial does not advertise rates because we realize each client has a unique set of circumstances, needs, and credit profile. There are many factors that determine your rate and we need to know them before quoting a rate specific to your situation. We do however offer three options to get a quote tailored to your specific set of lending criteria and needs.
Flagstone Financial does not advertise rates because we realize each client has a unique set of circumstances, needs, and credit profile. We will be happy to quote you a mortgage loan interest rate after we fully understand your complete financial situation and you understand all of the mortgage loan programs that are available to you.
There is an adage in business that applies when obtaining a mortgage for your home, "Nothing replaces experience." At Flagstone our team brings over thirty-five years mortgage-financing experience to help you find not only the best mortgage rate, but the best mortgage product for your unique situation.
The term "conforming" is most often used when speaking specifically about a mortgage amount; however, the terms "conforming" and "conventional" are frequently used interchangeably. These are mortgages that meet the underwriting criteria and loan size that make them eligible for purchase by Fannie-Mae & Freddie-Mac.
Reviews (13)
Conley Thomas
Dec 02, 2021
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Jordan Strauss
Sep 15, 2021
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Darren Smith and the Flagstone Financial team made my recent home purchase a breeze. I felt like I was their priority during the whole process which I can not say about other lenders I've worked with previously. I recommend the Flagstone team for anyone that wants to work with mortgage bankers that are highly experienced, responsive, and most importantly care about their clients.
Paulo Alfradique
May 20, 2021
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Jason Fang
Mar 07, 2021
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Was ok for a year then they started pressuring me to refinance properties that I didn’t want to. Then interest rates went down even further so I lost money on the refi. They would pressure me to close on loans even though I would have to pay out of pocket for the closing. I would avoid this company.
Stephanie Glass
Mar 01, 2021
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We got a great rate and appreciated that Darren matched a slightly better rate quote that we'd gotten from our then-current lender. I had a lot of questions and am probably more involved than the average customer and Darren was patient with answers and always prompt to get back to me. I would have appreciated a little more communication as we didn't hear when our closing date would be until three or four days before.
Jessenya Carrera
Sep 19, 2020
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Doug Pack
May 14, 2020
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Christian M.
May 07, 2020
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My wife and I used Flagstone as our brokerage firm for our first home purchase. Darren was extremely personable, professional, knowledgeable, and made the process seamless end-to-end (not to mention everything working out for us better than expected on the lending side). I have recommended them to friends and they have had the same fantastic experience. Highly recommend
Claude Mabry
Jul 13, 2019
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Darren was great! He was very knowledgeable, honest and really simplified the home financing process. He was able to get the mortgage pricing I needed in a very short period of time. Further, he stayed involved with the process through closing and even followed up a couple weeks later.
I would recommend his services to anyone.
I would recommend his services to anyone.
Antonio H.
Jan 31, 2017
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BrianJorda was there anytime I need to speak with him confirming something. He worked as a team with underwriters to expedite pre-approval and closing. He has the experience and judgment you would hope for. He has the people skills and personality that makes him a pleasure to be around. I would recommend Brian to anyone, without reserve. I would like to include this was not my first home, and I worked at JP Morgan Chase for a decade, so I know what a good loan officer looks like
Bob E.
Oct 22, 2015
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David L.
Sep 10, 2014
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These guys are awesome. I have financed and refinanced 6 or 7 times with Cary and his gang. They are 100% on top of everything all along the way. As difficult as the mortgage business is nowadays, it's so important to have someone 3 steps ahead, anticipating all the potholes. These guys are so very good and I'll continue to use them every time.
David Z.
Jul 07, 2014
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While the act of buying a home can itself be incredibly stressful, it can also be made that much more stressful by a second-rate mortgage company. Indeed, a great lender can impact your entire homebuying experience, for better or worse.
For the first time around, I had the unpleasant experience of working with a lender from Bank of America who was painstakingly slow on good days, and downright rude to me on others, and who then missed my closing date and forced a rate extension on me. Never again, I vowed.
On the other hand, Cary Cox at Flagstone Financial was one of the most professional and
For the first time around, I had the unpleasant experience of working with a lender from Bank of America who was painstakingly slow on good days, and downright rude to me on others, and who then missed my closing date and forced a rate extension on me. Never again, I vowed.
On the other hand, Cary Cox at Flagstone Financial was one of the most professional and
