Bulletins

NOTICE TO NON-DELEGATED CORRESPONDENTS:   Are you Ready for UAD 3.6? FLCBank is providing Non-Delegated Correspondent (NDC) Customers with important  information and resources regarding mandatory transition to to Uniform Appraisal Dataset (UAD) 3.6. Both Fannie Mae and FreddieMac require that all new appraisal reports submitted  to the Uniform Collateral Data ...

NOTICE TO MORTGAGE BROKERS:     Reminder: Fannie Mae and Freddie Mac Uniform Appraisal Dataset (UAD) 3.6   As a reminder, FLCBank is currently accepting only loans with appraisal reports in the UAD 2.6 format. FLCBank will notify customers at a future date when we officially begin accepting loans with ...

NOTICE TO:  BROKERS   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 June 2026) allows different compensations by transaction type (purchase, refinance) and by state. CLICK HERE TO DOWNLOAD ...

NOTICE TO NON-DELEGATED and DELEGATED Correspondents:   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. CLICK HERE TO ...

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 ...

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 ...

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 ...

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 ...

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 ...