Bulletins
B-013 Appraisal Orders Reminders – New URAR – Uniform Appraisal Dataset 3.6
Reminder: Fannie Mae and Freddie Mac Uniform Appraisal Dataset (UAD) 3.6 As announced via Bulletin #2026-B-011 on June 23, 2026, FLCBank is currently accepting only loans with appraisal reports in the legacy UAD 2.6 format. As part of our preparation for the implementation of UAD 3.6, FLCBank is actively ...
AC-018 Preferred Jumbo Credit Requirement Updates
NOTICE TO ALL CUSTOMERS Important Preferred Jumbo Credit Requirement Updates Great news! FLCBank’s Preferred Jumbo Product has been updated with more flexible credit standards, including lower minimum credit score requirements, higher loan-to-value (LTV) limits, and reduced liquid asset reserve requirements. Best of all, these enhancements are effective immediately, ...
B-012 Fee Entry IFW Screen
NOTICE TO MORTGAGE BROKERS: Fee Entry Service Screen Updates: New Fields FLCBank continues to enhance the Fee Entry Service screen to better support your disclosure needs. To accommodate disclosure of the Condo Project Review Fee, as announced in Bulletin B-001, a new drop-down field has been added. CLICK HERE ...
AC-017 Reminders Regarding Project Standards and Property Insurance
NOTICE TO ALL CUSTOMERS Important Reminders Regarding Project Standards and Property Insurance Requirement FLCBank reminds customers of the upcoming updates to the Condominium Project Review Requirements and the effective date for these changes. CLICK HERE TO DOWNLOAD THE COMPLETE BULLETIN ...
C-002 Avoiding QC Kickbacks and Corrections
NOTICE TO CORRESPONDENT CUSTOMERS Save Time on Quality Control Kickbacks and Corrections The majority of defects identified in our Quality Control Pre- and Post-Purchase loan reviews are minor updates needed on the Underwriting Transmittal Form (1008). To help reduce Quality Control kickbacks and corrections, please ensure all fields and ...
AC-016 – Preferred Jumbo Updates
NOTICE TO ALL CUSTOMERS Important Preferred Jumbo Updates FLCBank is pleased to announce the enhancements to our Preferred Jumbo product designed to provide your borrowers with greater flexibility and expanded underwriting requirements. CLICK HERE TO DOWNLOAD THE COMPLETE BULLETIN ...
NDC-005 Condominium Review Fees
NOTICE TO NON-DELEGATED CORRESPONDENTS: Important Notice: Condominium Review Fees Disclosed for Non-Delegated Customers Effective July 1, 2026 Historically, FLCBank has absorbed the cost of reviewing a condominium project’s eligibility for agency financing. Beginning July 1, 2026, to support the review of condominium project eligibility for agency financing on ...
B-011- Condominium Review Fees
NOTICE TO MORTGAGE BROKERS: Important Notice: Condominium Review Fees to be Disclosed on Loan Estimates and Closing Disclosures Effective July 1, 2026 Historically, FLCBank has absorbed the cost of reviewing a condominium project’s eligibility for agency financing. Beginning July 1, 2026, this fee will be disclosed as a transaction-related ...
NDC-004 UAD 3.6 Readiness
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 ...
B-010 Reminder – Uniform Appraisal Dataset 3.6
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 ...
B-009 FLCBank 2026 Compensation Policy and Changes to Compensation
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 ...
NDC-003 June 2026 Annual Review
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 ...
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 ...
