Bulletins

NOTICE TO BROKERS   Extension of Home Possible and HomeReady VLIP $2,500 Grant   Fannie Mae and Freddie Mac announced the extension of HomeReady and Home Possible Very Low-Income Purchase (VLIP) Grant through February 28, 2027. FLCBank is pleased to announce that we are reinstating offering to Very-Low-Income Purchase (VLIP) ...

NOTICE TO NON DELEGATED CORRESPONDENT CUSTOMERS Extension of Home Possible and HomeReady VLIP $2,500 Grant     Fannie Mae and Freddie Mac announced the extension of HomeReady and Home Possible Very Low-Income Purchase (VLIP) Grant through February 28, 2027. FLCBank is pleased to announce that we are reinstating offering to ...

NOTICE TO CORRESPONDENT CUSTOMERS     Extension of Home Possible and HomeReady VLIP $2,500 Grant Fannie Mae and Freddie Mac announced the extension of HomeReady and Home Possible Very Low-Income Purchase (VLIP) Grant through February 28, 2027. FLCBank will refund the $2,500 credit to the Correspondent Lender via an LLPA ...

NOTICE TO ALL CUSTOMERS   Income Validations Reminder Tax Returns and Transcripts are required for borrower(s) whose “self-employment” or “other” income sources are being utilized for the repayment of the mortgage. The number of years for tax returns and transcripts required is determined by the AUS findings except on loan ...

NOTICE TO ALL CUSTOMERS   Preferred Jumbo Just Got Better!   FLCBank’s Preferred Jumbo Product has been updated with increased DTI ratio eligibility and reduced documentation. These updates are effective immediately! CLICK HERE TO DOWNLOAD THE COMPLETE BULLETIN ...

NOTICE TO MORTGAGE BROKERS:   Fee Entry Update: Itemized Fee Worksheet (IFW) Screen FLCBank is pleased to announce an update to the Fee Entry Initial Disclosure submission process, effective today. An Initial Fee Worksheet or Fee Itemization document is no longer the only way to submit fees for the Loan ...

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 ...