EXHIBIT 99.2


    CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350, AS ADOPTED PURSUANT TO
                 SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

In connection with the quarterly report of Flagstar Bancorp, Inc. (the
"Company") on Form 10-Q for the period ended June 30, 2002 as filed with the
Securities and Exchange Commission on the date hereof (the "Report"), I, Michael
W. Carrie, Chief Financial Officer of the Company, certify, to the best of my
knowledge, pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section
906 of the Sarbanes-Oxley Act of 2002, that:

           (1)  The Report fully complies with the requirements of Section 13(a)
                or 15(d) of the Securities Exchange Act of 1934; and

           (2)  The information contained in the Report fairly presents, in all
                material respects, the financial condition and results of
                operations of the Company.


Dated:  August 14, 2002                by:      /s/ Michael W. Carrie

                                                Michael W. Carrie
                                                Executive Vice President and
                                                Chief Financial Officer