Resource Center

Appraisal

• FLCBank Contact Information
  • FLCB Appraisal Desk Contact Sheet 4-15-2024
• Ordering
  • Order Appraisals MortgagebotLOS with Mercury_10-2023
  • Payment Options Document revised 10-2023
  • Order CDA Field Review BPO Value Reconciliation 4-15-2024
  • Ordering Manufactured Home Appraisals 4-15-2024
  • COC Guidelines 4-15-2024
  • NDC Jumbo Appraisal Order Process 09-30-2024
  • VA Appraisal Quote Process 4-2024
• Pricing
  • Axis Fee Schedule 2022 - current 4-15-2024
  • Clear Capital Appraisal Pricing 5-1-23 current 4-15-2024
  • Class Client Fee Schedule SBS 2022 current 4-15-2024
  • FLCBank National AC Panel Client Fees_4.18.2022 current 4-15-2024
  • NAN AMC Standard Fee Table 2024
  • Nationwide Property and Appraisal Service 10-15-2023
• Reconsideration of Value ***FLCBank underwriter must review and submit***
  • FLCBank ROV Request Form
• Appraisal Transfers
  • FLCBank Appraisal Transfer Policy 4-15-2024
• Miscellaneous
  • Approved Appraisal Vendors 4-15-2024
  • How to reduce a pdf size document 4-15-2024

Closing

• Closing Documents Guidelines
  • Closing Department Directory 2024
  • Closing comparison chart - 06-2023
  • Flood guidelines 12-2022
  • Hazard guidelines 11-2024
  • POA Guide
  • Revocable Trusts Guidelines 08-2024
  • Title guidelines 9-2024
  • Trust Signature Requirements Job Aid 08-2024
  • TX HE 2% fee limitation 1-2022
  • VA Closing Cost Information 1-2022
• CD/Closing Process
  • CD Process 01-2024
  • CD Contact Information
  • Closing Process Wet Closing States 01. 2022
  • Closing Process Wet Closing States NDC 01-2022
  • Closing Process Dry Closing States 01-2022
  • Closing Process Dry Closing States NDC 01-2022
  • CD Information Screen Instructions
• Miscellaneous
  • Temporary Buydown LE_CD Example 12-2022

• Alive and Well Certification
• Continuous Active Duty Certification
• Temporary Buydown-Sample FHA
• Temporary Buydown-Sample CONV-VA

Compliance

• ARM Disclosures
  • ARM Disclosure Blue Jumbo SOFR 5-6 (2-1-5 no IO)
  • ARM Disclosure Blue Jumbo SOFR 7-6 (5-1-5 no IO)
  • ARM Disclosure Blue Jumbo SOFR 10-6 (5-1-5 no IO)
  • Advantage ARM Disclosure CMT 5-1 (2-2-5 Caps Floor 3.75 Combined P&I and IO)
  • ARM Disclosure CMT 5-1 (2-2-5 Caps Combined P&I and IO)
  • ARM Disclosure CMT 7-1 (2-2-5 Caps Combined P&I and IO)
  • ARM Disclosure CMT 10-1 (2-2-5 Caps Combined P&I and IO)
  • ARM Disclosure CMT 15-1 (5-2-5 Caps No IO)
  • ARM Disclosure SOFR 5-6 (2-1-5 no IO)
  • ARM Disclosure SOFR 7-6 (5-1-5 no IO)
  • ARM Disclosure SOFR 10-6 (5-1-5 no IO)
• Compliance Matters
  • Agency Asset Validation Vendors.01.2022
  • Approved Asset Validation FLCBank Vendors.01.2022
  • Approved Employment-Income Validation FLCBank Vendors.01.2022
  • CFPB Charm Booklet
  • CFPB Charm Booklet (Spanish)
  • CFPB Home Loan Toolkit (English)
  • CFPB Home Loan Toolkit (Spanish)
  • Broker Required Disclosures 11-29-2021
  • AZ 41513 Disclosure of Dual Capacity - SAMPLE
  • CO 35147 Dual Status Disclosure - SAMPLE
  • CO Tangible Net Benefit Disclosure - Doc 27641 - SAMPLE
  • CT 43094 Dual Capacity Disclosure - SAMPLE
  • DE 53092 Mortgage Loan Broker Agreement - SAMPLE
  • FL 25546 Conflict of Interest Disclosure - SAMPLE
  • ID 38465 Notice of Financial Interest in Title Entity - SAMPLE
  • IL 31835 Loan Brokerage Agreement and Disclosure Statement - SAMPLE
  • IL 53121-GFE Seller Paid Fees - SAMPLE
  • KS 68035 Disclosure of Dual Capacity - SAMPLE
  • LA 27782 Loan Brokerage Agreement and Disclosure Statement - SAMPLE
  • MA 31504 CLPPP Transfer Lead Paint Notification - SAMPLE
  • MA 43510 License Disclosure - SAMPLE
  • MO 28487 Loan Brokerage Disclosure Statement and Agreement - SAMPLE
  • MS 28479 Mortgage Origination Agreement - SAMPLE
  • NC Mortgage Broker Application Disclosure - Doc 28519 - SAMPLE
  • ND Money Broker Contract - Doc 28523 (1) - SAMPLE
  • NE 76411 Loan Brokerage Disclosure and Agreement - SAMPLE
  • NJ 77465 Application Disclosure - SAMPLE
  • NV 27522 Dual Capacity Agreement - SAMPLE
  • NV 87039 Disclosure of Mortgage Company Involvement - SAMPLE
  • NY 30563 Interest Rate Disclosure - SAMPLE
  • NY 30565 Pre Application Disclosure for Brokers - SAMPLE
  • NY 30654 Pre Application Disclosure for Bankers - SAMPLE
  • NY 40933 Dual Agency Transaction Disclosure - SAMPLE
  • NY 43253 Consumer Report Notice (Pre-Application) - SAMPLE
  • OH 37710 Business Relationship Disclosure Notice - SAMPLE
  • PA 28704 Application Disclosure - SAMPLE
  • SC 28727 Mortgage Broker Fee Agreement for Financial Services - SAMPLE
  • TX 30359 Texas Disclosure of Multiple Roles in a Consumer Real Estate Transaction - SAMPLE
  • WA 37017 Dual Status Disclosure - SAMPLE
  • WI Application Disclosure - Doc 29300 - SAMPLE
  • Patriot Act Policy
  • Loan Originator Compensation Change Instructions
• Forms and Exhibits
  • AIR - NDC Compliance Acknowledgement
  • Anti Steering Disclosure Instructions
  • Anti Steering Disclosure
  • Appraisal Waiver Form 2-2022
  • COC Instructions - 8-2022
  • Lender Certification of Appraisal Delivery
  • New Texas A6 12 Day Letter SAMPLE
  • Preferred Jumbo Auto Pay Form
  • Preferred Jumbo Biweekly - FLEXIBLE DRAFTING Agreement
  • TIP SHEET - How to Complete Preferred Jumbo Auto Pay or Flexible Auto Pay ACH FORM-REV 4-23
  • Temporary Buydown LE_CD Example 12-2022
  • TRID Fee Tolerance & Disclosures Placement Chart
  • Compensation Change Form
• State Required Disclosures-Net Tangible
  • FLCB Tangible Net Benefit State Disclosure Matrix -12.1.2021
• Third Party Vendor Certifications
  • Electronic Signatures Certification 11_2021
  • Third Party Asset_Income Vendor Certification
  • Third Party FLCBank Approved esignature vendors 10.02.23
  • Third Party Processor Application and Certification 06_2021

Correspondent Purchase

• Seller Guides
  • NDC Seller Guide Correspondent Department Directory
  • NDC UPLOADING CLOSED LOAN PACKAGE - 1-2022
  • NDC STATUS-SUSPENSE PROCESS - 1-2022
  • NDC PURCHASE PROCESS - 1-2022
  • NDC Post Purchase Process - 10-2022
  • NDC Quick Reference Guide
• Delivery Stacking Order
  • NDC Conv-USDA Stack Order 1.25.22
  • NDC FHA Stack Order 1.25.22
  • NDC VA Stack Order 1.25.22
• Sample Forms
  • NDC Correspondent Department Directory - 1-2022
  • NDC Note Allonge Form - 1-25-2022
  • NDC SAMPLE GOODBYE LETTER - 1-25-2022

How to Submit a Loan

• Delegated Administrator
  • Manage User Accounts
• Fees
  • Broker Fees 7-2024
  • NDC Schedule of Fees 5.01.2023
• Importing and Registering
  • 1_New Pipeline View Guide
  • ARM Details Tip Sheet- 8-19-2023
  • Bridge Tip Sheet- 7-25-2022
  • Bridge Second Lien Tip-Sheet-5-2024
  • Broker - NDC Contact Information Screen Process 9-2024
  • CES Combo-Piggyback Tip Sheet- 7-2024
  • CES Standalone Tip Sheet - 7-2024
  • Dual - Single AUS Submissions Merging Credit 9-2024
  • FLCB Temporary Buydowns FAQs 02-2024
  • HELOC Tip Sheet Combo-Piggyback- 8-2024
  • HELOC Tip Sheet Standalone- 8-2024
  • Home Possible-Home Ready Very-Low Income Purchase Tip Sheet
  • ImageFlow Instructions 09-2024
  • Importing and Editing MB Lending Portal - URLA 12-2022
  • MI Quote Process 5-2024
  • OB Prospect - Scenario-8-2024
  • OB Register - Update Registration and Lock 3-2023
  • OB Submit a Change Request - 12-2022
  • Reissuing Credit Procedures 10-2024
  • Submitting the Closing Request
• Pre-Approval Process
  • PreApproval Process - 8-2024
• FHA Case Number
  • Ordering a FHA Case Number 01-2024
  • FHA Case Number Transfer & Cancelling Process 9-2023
  • FHA SUA Procedures for Condo Review Dept 1.22.2022
  • VA Case Number Transfer Process 1-2022
• Submission Checklists
  • Blue
  • Bridge
  • Closed End Second
  • Conventional
  • Elite Express Jumbo
  • FHA Streamline
  • FHA Full Doc
  • Gold Jumbo
  • HELOC
  • Preferred ARM Jumbo
  • Sapphire Jumbo
  • USDA
  • VA IRRRL
  • VA Full Doc
• Submission Cover Sheet
  • Underwriting Submission Cover Sheet 7-2022
  • Cover Sheet - Jumbo
• Itemized Fee Worksheet (IFW)
  • Resources coming soon
• Setup & Fee Entry
  • E-Sign - Loan Originator (LO) 11-2021
  • E-Sign Instructions for Borrowers-1-2022
  • Fee Entry Service 9-2024
  • Fee-Entry-Request-Form-Updates-9-16-2024
  • Itemized Fee Worksheet data input - for Broker Fee Entry Customers 1-2022
  • Setup Department Directory - 4 2024
  • Set up and Redisclosure Helpful Tips - NDC 4-2024
  • Fee Entry Request Form Updates - 9-16-2024
• Temporary Buydown FAQs
  • FLCB Temporary Buydowns FAQs 02-2024
• Temporary Buydown Calculator
  • FLCBank-Buydown-Calculator-12-15-2022

Secondary

• Lock Policies
  • Buy Price Policy 05-2024
  • Correspondent and NDC Lock-in Commitment and Registration 05-2024
• FAQ's
  • Resources coming soon
• Products Available
  • FLCB Convent-Govy Product List 11-12-2024
  • NDC FLCB Convent-Govy Product List 11-12-2024

• New OB Integration Training Video

Specialty Products

• Second Liens Program-Wholesale Only
  • Hazard Guidelines
  • Title Guidelines

Underwriting

• Condo Guide & Exhibits
  • Blue Jumbo Condominium Review Checklist
  • Condo PUD Guides 08-26-2024
  • Condominium Limited-Streamline Review 03-2024
  • FHA Certification for Individual Unit Financing 01-22
  • FHA Condo Questionnaire-HUD Form 9991-Jan 2022
  • FHA Single Unit Approval Condo Questionnaire-HUD Form 9991-Jan 2022
  • FLCB PUD ELIGIBILITY REVIEW FORM (1-2022)
  • FHLMC Reciprocal Project Review 10-2023
  • FNMA Reciprocal Project Review 10-2023
  • Lender Full Project Review 10-2023
  • New Condominium Pre-Sale Form
  • Preferred Jumbo 2-4 Unit Condo Full Review 10-2023
• Disaster States and Policy
  • Borrower Disaster Property Certification 01-2022
  • Disaster Inspection Procedures 12-05-2022
  • Disaster Property Condition Lender Certification 01-2022
  • Disaster States 11-5-2024
  • NDC Disaster Procedures 12-05-2022
  • Lender Certification for Disaster Area 1-2022
  • Veteran Certification 1-2022
• Underwriting Resources
  • Active Duty Certification
  • Escrow Holdback Agreement
  • FHA 3-4 Unit Self Sufficiency Worksheet
  • FHA Rate Term Refinance Loan Amount Worksheet
  • FHA Streamline Net Tangible Benefit Worksheet
  • FHA Streamline Refinance Maximum Loan Amount
  • FLCBank's Manufactured Home Webinar
  • FLCBank's RefiNow Program
  • Hold Harmless Certification
  • VA Cash Out Comparison Disclosure and Net Tangible Benefit-Initial
  • VA Cash Out Comparison Disclosure and Net Tangible Benefit-Final
  • VA Cash Out Type I Recoupment Certification
  • VA Funding Fee Exemption Determination Fillable
  • VA IRRRL Recoupment-Comparison Lender Certification 11-2020
  • VA Loan Amount Worksheet 2024
  • VA New Cash Out Required Webinar
• Forms and Documents
  • Blue Jumbo Declining Markets Index
  • Borrowers Contract with Respect to Hotel and Transient Use of Property 9...
  • Credit_Inquiry_Letter_1-2022
  • Elite Express Business Purpose Occupancy Affidavit-Appendix B
  • FLCBank-Buydown-Calculator-12-15-2022
  • Form 4506-C (10-2022)
  • Gift Letter Document 1-2022
  • Important Notice to Homebuyers 92900-B
  • Income Worksheet 2024
  • Interest Only Calculator
  • Manufactured Home Title Svc Worksheet
  • Notice for Informed Consumer Choice Disclosure
  • Revised HUD-92900-A
  • Sapphire Jumbo Business Purpose & Occupancy Affidavit-Appendix A
  • Settlement Certification
  • SSA-89 new form 04-2023
  • SSA-89 04-23 Spanish
  • USDA Child Care Expense Letter 1-2022
  • USDA Income Disclosure Statement 1-2022
  • USDA- RD 3555-21 Req for SFH Loan Guarantee
  • VA Counseling Checklist Form 26-0592
  • Visa and EAD Cheat Sheet
  • Warranty of Completion of Construction 92544
  • FLCB Temporary Buydowns FAQs 02-2024
  • Form 8821 and Consent

Warehouse Lines

• Resources coming soon