CONSENT OF INDEPENDENT CERTIFIED PUBLIC ACCOUNTANTS



We have issued our report dated December 19, 1997, accompanying the balance
sheet of Flagstar Capital Corporation contained in the Registration Statement on
Form S-11 and Prospectus.  We consent to the use of the aforementioned report in
the Registration Statement and Prospectus, and to the use of our name as it
appears under the caption "Experts".

We have also issued our report dated March 3, 1997 (except for Note 18, as to
which the date is May 5, 1997) accompanying the consolidated financial
statements of Flagstar Bank, FSB contained in Annex I of the Prospectus
constituting part of the Registration Statement on Form S-11 and Form OC with
the Office of Thrift Supervision. We consent to the use of the aforementioned
report in the Registration Statement and Annex I of the Prospectus and Form OC,
and to the use of our name as it appears under the caption "Experts".

/s/ Grant Thornton LLP



Detroit, Michigan
December 19, 1997