Bulletins

NOTICE TO MORTGAGE BROKERS:   HELOC Credit Updates FLCBank has updated its HELOC product credit guidelines effective immediately for new loan submitted/finaled to FLCBank as well as for new locks. All HELOC type Standalone or Piggyback/Combo Automobile leases must be included in the DTI (even if account is pre-paid in ...

NOTICE TO RETAIL LOAN ORIGINATORS:   HELOC Credit Updates FLCBank has updated its HELOC product credit guidelines effective immediately for new loan submitted/finaled to FLCBank as well as for new locks. All HELOC type Standalone or Piggyback/Combo Automobile leases must be included in the DTI (even if account is pre-paid ...

NOTICE TO ALL CUSTOMERS   NEW CONTACT EMAIL FOR MORTGAGE THIRD PARTY RISK Instead of remembering where to email Report changes or updates to your company’s status Changes to your Broker compensation Adding a new or updating an existing third-party processing company CLICK HERE TO DOWNLOAD THE COMPLETE BULLETIN ...

NOTICE TO ALL CUSTOMERS   FHA DTI Overlay Removal   FLCBank announces the removal of the following overlays effective immediately. This change is part of our ongoing effort to provide qualified borrowers with access to affordable housing and our continued support to responsible lending. CLICK HERE TO DOWNLOAD THE COMPLETE ...

NOTICE TO ALL CUSTOMERS   Great News! FLCBank now offers you the ability to originate loans under non-standard terms on Conventional Fixed Rate mortgages including Home Possible and HomeReady. This amortization option helps the borrower pay less interest in total shortening the loan term selected. CLICK HERE TO DOWNLOAD THE ...

NOTICE TO ALL CUSTOMERS IMPORTANT Freddie Mac Product Updates   FLCBank is providing a summary of recent credit policy updates announced by Freddie Mac via Bulletins 2026-3 and 2026-4. This bulletin notifies customers of these updates and outlines the required implementation timelines. CLICK HERE TO DOWNLOAD THE COMPLETE BULLETIN ...

NOTICE TO MORTGAGE BROKERS:   Fee Entry Update: Anti-Steering Disclosure now available FLCBank is excited to announce an update to the Fee Entry Initial Disclosure submission process, effective immediately. An Anti-Steering Disclosure can now be generated alongside your Initial Disclosures, prepared by FLCBank for Lender-Paid Transactions. This can be done ...

NOTICE TO ALL CUSTOMERS   Important VA Property Requirement Updates   FLCBank would like to inform our customers of recent policy updates published by the U.S. Department of Veterans Affairs regarding its Minimum Property Requirements (MPRs), as outlined in VA Pamphlet 26-7, Revised Change 46. CLICK HERE TO DOWNLOAD THE ...

NOTICE TO RETAIL ORIGINATORS: HELOC and Closed End Second Mortgage Product Updates FLCBank has updated the requirements of its HELOC and Closed End Second Products effective immediately for new loans submitted/finaled to FLCBank. CLICK HERE TO DOWNLOAD THE COMPLETE BULLETIN ...

NOTICE TO BROKERS HELOC and Closed End Second Mortgage Product Updates FLCBank has updated the requirements of its HELOC and Closed End Second Products effective immediately for new loans submitted/finaled to FLCBank. CLICK HERE TO DOWNLOAD THE COMPLETE BULLETIN ...

NOTICE TO ALL CUSTOMERS   IMPORTANT Freddie Mac Home Possible Program Update   Freddie Mac announced on February 4, 2026, multiple changes to the Home Possible Program via Bulletin 2026-1. This bulletin notifies customers of these updates and FLCBank’s timing requirement: CLICK HERE TO DOWNLOAD THE COMPLETE BULLETIN ...

NOTICE TO ALL CUSTOMERS   The Preferred Jumbo Fixed Rate Option is here! As mentioned in Bulletin AC-005, FLCBank is pleased to present to customers the addition of a 30-Year Fixed Rate option to the Preferred Jumbo Product line. CLICK HERE TO DOWNLOAD THE COMPLETE BULLETIN ...

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. CLICK HERE TO DOWNLOAD ...

NOTICE TO ALL CUSTOMERS     IMPORTANT Gold Jumbo Product Offering Update     FLCBank would like to inform all Customers that effective immediately, the Gold Jumbo Product has been suspended until further notice. CLICK HERE TO DOWNLOAD THE COMPLETE BULLETIN ...

NOTICE TO:  BROKERS   IMPORTANT ANNOUNCEMENT: Updated AMC Vendor Pricing 2026 Effective 3/1/2026 and after, all appraisal orders placed in Mortgagebot LOS will have updated pricing for the AMC Vendor shown below: Utilize the updated fees when quoting the appraisal fee for the Loan Estimate (LE). CLICK HERE TO DOWNLOAD ...