Bulletins

NOTICE TO ALL CUSTOMERS   Elite Express Jumbo Product Enhancements Great News! FLCBank is pleased to announce several improvements made to the Elite Express Jumbo Product which include: CLICK HERE TO DOWNLOAD THE COMPLETE BULLETIN ...

NOTICE TO:  Non-Delegated Correspondents and Delegated Correspondents   1098 IRS Reporting for 2025 Florida Capital Bank, N.A (FLCBank) will have all 1098 IRS reporting for 2025 mailed/postmarked by January 31, 2026, the deadline date. Please allow ample time for the postmaster to deliver prior to contacting FLCBank. CLICK HERE TO ...

NOTICE TO ALL CUSTOMERS   Jumbo Products Minimum 2026 Loan Amounts   FLCBank informs all customers of the minimum loan amounts for the Jumbo products offered starting January 1, 2026, as follows: CLICK HERE TO DOWNLOAD THE COMPLETE BULLETIN ...

NOTICE TO ALL CUSTOMERS   Life of the Loan Flood Certification Fee Increase   FLCBank is increasing the Life of Loan Flood Certification Fee to $12.10 due to an increase from our vendor. This increase will take effect with loans imported on or after January 1, 2026. CLICK HERE TO ...

NOTICE TO ALL CUSTOMERS     CFPB Annual Adjustments for Qualified Mortgages (QM) Points and Fees Thresholds   The CFPB’s final rule for the 2026 Regulation Z annual threshold adjustments for ATR/QM and HOEPA points and fees test and adjusted total loan amounts effective January 1, 2026, has been announced ...

NOTICE TO BROKER CUSTOMERS FLCBank 2026 Compensation Policy and Changes to Compensation FLCBank allows adjustments to compensation once a quarter; four total adjustments per calendar year. The Lender Paid Compensation Selection Agreement (rev Sept 2025) allows different compensations by transaction type (purchase, refinance) and by state. All requests must be ...

NOTICE TO CORRESPONDENTS:   Action Required – 2025 Semi-Annual Review Process FLCBank performs annual reviews on all active approved customers in all channels. To ensure a timely review and avoid an interruption in service, please provide the following documents no later than the close of business Wednesday, December 31, 2025 ...

NOTICE TO ALL NON-DELEGATED CORRESPONDENTS:   Action Required – 2025 Semi-Annual Review Process FLCBank performs annual reviews on all active approved customers in all channels. To ensure a timely review and avoid an interruption in service, please provide the following documents no later than the close of business Wednesday, December ...

NOTICE TO BROKERS:   Action Required – 2025 Semi-Annual Review Process FLCBank performs annual reviews on all active approved customers in all channels. To ensure a timely review and avoid an interruption in service, please provide the following documents no later than the close of business Wednesday, December 31, 2025 ...

NOTICE TO ALL CUSTOMERS   2026 Conventional Loan Limits Great News! The Federal Housing Finance Agency (FHFA) announced the 2026 maximum conforming loan limit for one-to-four-unit properties yesterday November 25, 2025.   Effective Monday December 1, 2025, customers can submit, lock and close loan applications under the new 2026 loan limits on all ...

NOTICE TO ALL CUSTOMERS   FHA Disclosure Update   FHA published its decision of removing the requirement for mortgagees to provide borrowers with Form HUD-92900-B, Important Notice to Homebuyers via FHA INFO 2025-51. The reason behind this change is to eliminate redundant and outdated disclosures so borrowers receive only accurate, ...

NOTICE TO BROKERS:   Action Required – 2025 Semi-Annual Review Process FLCBank performs annual reviews on all active approved customers in all channels. To ensure a timely review and avoid an interruption in service, please provide the following documents no later than the close of business Monday, December 15, 2025 ...

NOTICE TO ALL NON-DELEGATED CORRESPONDENTS:   Action Required – 2025 Semi-Annual Review Process FLCBank performs annual reviews on all active approved customers in all channels. To ensure a timely review and avoid an interruption in service, please provide the following documents no later than the close of business Monday, December ...

NOTICE TO CORRESPONDENTS:   Action Required – 2025 Semi-Annual Review Process FLCBank performs annual reviews on all active approved customers in all channels. To ensure a timely review and avoid an interruption in service, please provide the following documents no later than the close of business Monday, December 15, 2025 ...

NOTICE TO BROKERS   Important Reminder of Expiring Temporary Down Payment Assistance (VLIP) Grant for HomeReady and Home Possible Products   FLCBank reminds customers of the fast-approaching expiration of Fannie Mae and Freddie Mac (GSEs) temporary down payment assistance ($2,500) grant for very low-income purchase borrowers (VLIP) available under the ...