Bulletins

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 The reason behind this change is to eliminate redundant and outdated disclosures so borrowers receive only accurate, ...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 ...

NOTICE TO NON-DELEGATED CORRESPONDENTS AND DELEGATED CORRESPONDENTS   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) ...

NOTICE TO ALL CUSTOMERS   Important: Government Shutdown Temporary Policies FLCBank is providing guidance to Customers regarding its requirements during the Government Shutdown; this guidance will automatically expire when the federal government resumes full operations. Conventional Loans A Verbal verification of employment (VVOE) dated within 10 days prior to loan ...

NOTICE TO:  Delegated Correspondents    Government Shutdown Temporary Policies FLCBank is providing guidance to Correspondent Customers regarding its requirements for Correspondent Loan Purchase during the Government Shutdown; this guidance will automatically expire when the federal government resumes full operations. CLICK HERE TO DOWNLOAD THE COMPLETE BULLETIN ...

NOTICE TO BROKERS: HELOC Product Update FLCBank is pleased to announce an improvement to our HELOC Product with the ability to originate HELOCs in First Lien position!   Effective October 23, 2025, you can offer financing flexibility with FLCBank’s First Lien HELOC.  This is an additional product offering to our HELOC ...

NOTICE TO RETAIL LOAN ORIGINATORS: HELOC Product Update FLCBank is pleased to announce an improvement to our HELOC Product with the ability to originate HELOCs in First Lien position!   Effective October 23, 2025, you can offer financing flexibility with FLCBank’s First Lien HELOC.  This is an additional product offering to ...

NOTICE TO ALL CUSTOMERS   Important: Notice Regarding Government Shutdown FLCBank is providing the following information in preparation for the impending Government Shutdown tomorrow Wednesday October 1, 2025. The following federal agencies will continue operating without disruption: IRS (IRS’s Income Verification Express Service (IVES) will not be affected so 4506-C ...

NOTICE TO ALL CUSTOMERS     Important: Fannie Mae and Freddie Mac Credit Updates and UAD 3.6 Notification   Fannie Mae Fannie Mae is releasing DU Version 12.0 this weekend September 27, 2025, which will include the changes described below and will apply to loans submitted or resubmitted to DU ...

NOTICE TO ALL CUSTOMERS Updated Reconsideration of Value Requirements: Fannie Mae, Freddie Mac, Jumbo and FHA Loans Fannie Mae and Freddie Mac announced via SEL-2025-07 and Bulletin 2025-12 respectively, they are rescinding certain requirements of the Reconsideration of Value (ROV). FHA had rescinded certain components of the ROV process earlier ...

NOTICE TO BROKERS   FLCBank 2025 Compensation Policy and Changes to Compensation   FLCBank allows adjustments to compensation once a quarter; four total adjustments per calendar year. Any requests submitted on the wrong form or without a reason included will not be accepted. Upcoming Compensation Adjustment Date:   To make ...

NOTICE TO ALL CUSTOMERS   Exciting News on our Gold Jumbo   Starting with new loans submitted and/or locked Tuesday September 2, 2025, you can qualify more borrowers with our improved Gold Jumbo Fixed Rate Option! Up to 89.99% LTV with loan amounts up to $2MM for 1-Unit Primary Residence ...