EXHIBIT 32.1

    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/A for the quarter ended March 31, 2005 as filed with the
Securities and Exchange Commission on the date hereof (the "Report"), I, Mark T.
Hammond, President and Chief Executive Officer of the Company certify 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: June 15, 2005                       by: /s/ Mark T. Hammond

                                               Mark T. Hammond
                                               President and
                                               Chief Executive Officer

A signed original of this written statement required by Section 906 has been
provided to Flagstar Bancorp, Inc. and will be retained by Flagstar Bancorp,
Inc. and furnished to the Securities and Exchange Commission or its staff upon
request.

                                       33