Florida Capital Bank (FLCBank)

Basic information

QM program

• Conventional
• Home Ready
• Home Possible
• FHA
• FHA Streamline
• Good Neighbor Next Door (FHA 100)
• VA
• VA IRRRL
• VA High Balance

Loss payee

Florida Capital Bank, N.A. ISAOA ATIMA P.O. Box 551390 Jacksonville, Florida 32255-1390

CPL or subordinate clause

Florida Capital Bank, N.A. ISAOA ATIMA P.O. Box 551390 Jacksonville, Florida 32255-1390

Lock policies & fees

Lock policies

Lock extension

Extension Costs (Subject change without notice) ****Extensions available online**** # 1st Ext 2nd Ext # 1st/2nd Ext Extensions are .025 per day 1 Day -0.025 -0.025 1 Day -0.025 Maximum days total (cummulative) = 30 Maximum days total = 30

Relock

pricing must improve by 1% and borrower must receive at least .125% rate reduction plus relock fee

Lock & Shop

No

Lender's niche & overlays

Lender's niche

Personalized service from a seasoned team.  Access to your assigned underwriter.  

Allow lender credit to cover BPC.

Lender's overlays

Overlays FLCBank Conventional and Government - July 2025 (002).pdf 

Florida Capital Bank Mortgage is a special lender who has competitive rates on Florida state loans.  We also have special pricing for second homes and investment properties. 

We will allow Hawaii and Alaska as exceptions which must be approved by our Management.

Our HELOC is not allowed in Alaska, Hawaii, TN, TX and NY.

Our Bridge loan is not allowed in Alaska, Alabama, Hawaii, Nevada, New Jersey, New York, Texas

Lender turn time

Initial underwrite (days)

1

CTC conditions review (days)

1

Initial CD (days)

1

Reviews