Warehouse Lending

Choosing the right partner in Warehouse Lending is the first step in becoming a Correspondent Lender.

It's important to find a partner in warehouse lending that fits your goals. Secondly, has experience helping originators become lenders. FLCBank has over 12 years in warehouse lending and continues to be resilient in the business. Furthermore, we provide fast flexible warehouse lines tailored for small to mid-sized bankers.

Partner with FLCBank and you’ll see that we’re Dedicated to Your Success.

In addition to offering attractive pricing, we work with you hand-in-hand to help you be successful. To sum it up, our Warehouse Lending team is ready to help you get started.  Whether it's a new Warehouse Line, expanding the one you have, or setting up a second line.

Warehouse Lending Line highlights:

  • Rapid Approval Process with NO APPLICATION FEE!
  • Facility amounts from $1 million to $9 million*
  • Net Worth as low as $75,000
  • Pledge account starting at $5,000
  • Competitive rates and draw fee with no hidden charges
  • Same-day funding
  • Non-Captive with 80+ approved takeout investors
  • Free collateral shipment to takeout investor
  • Same-day settlements with purchase advice and matching investor wire
  • Easy-to-use warehouse lending system
  • No restrictions on fulfillment providers

Allowable Products

  • Jumbo programs with investor approval**
  • VA products including IRRRL
  • USDA products
  • FNMA/FHLMC eligible products including Renovation Loans
  • FHA products including 203k
  • Housing and Finance Authority Loans
  • Manufactured Housing

Additional Program Requirements

  • Two years of industry experience (Minimum)
  • Minimum E&O and Fidelity Coverage
  • Financials and Tax Return Review
  • Personal guarantees/background checks

* Larger lines available based on company size and other criteria.
** Some restrictions apply. Please speak to a warehouse lending team member for details. 

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