Bulletins
AC-015 Agencies Credit Score Models
NOTICE TO ALL CUSTOMERS Agencies Credit Score Models On April 22, 2026, HUD in a joint announcement with the FHFA announced that the Federal Housing Administration (FHA) and Fannie Mae and Freddie Mac are implementing new credit score models adding VantageScore 4.0 and FICO Score 10T ...
AC-014 Fannie Mae Income Requirement Updates
NOTICE TO ALL CUSTOMERS Fannie Mae Income Policy Updates FLCBank is providing customers with information regarding Fannie Mae Income Policy updates announced via SEL-2026-02. These updates introduce new policies, revisions, and clarifications intended to improve consistency and provide greater clarity regarding income documentation and qualification requirements. This bulletin ...
AC-013 Project Standards and Property Insurance Requirement Updates
NOTICE TO ALL CUSTOMERS Important Project Standards and Property Insurance Requirement Updates FLCBank is providing a summary of recent updates announced by Fannie Mae via LL-2026-03 and Freddie Mac via Bulletin 2026-C to their Project Standard policies as well as to their 1-4 Unit Properties and Project Development ...
B-008 May 2026 Annual Review Bulletin
NOTICE TO BROKERS: Florida Capital Bank, N.A. (FLCBank) 2026 Annual Review Process – Action Required: FLCBank performs annual reviews on all active approved customers in all channels. In 2026 there are additional requirements to conform with new GSE and Agency annual reviews standards. To ensure a timely review and ...
B-007 HELOC Guideline Credit Updates
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 ...
R-002 HELOC Guideline Credit Updates
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 ...
AC-012 Mortgage Third Party Risk Bulletin May 2026
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 ...
AC-011 FHA News DTI Overlay Removal
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 ...
AC-010 Non-Standard Amortization Terms
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 ...
AC-009 Important Freddie Mac Updates
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 ...
B-006 Fee Entry Anti Steering Disclosure
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 ...
AC-008 Important VA Property Requirement Updates
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 ...
R-001 HELOC and Closed End Second Mortgage Product Updates
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 ...
B-005 HELOC and Closed End Second Mortgage Product Updates
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 ...
AC-007 Home Possible Program Update
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 ...
