Whether you're a first-time homebuyer, upgrading to a new home, refinancing or buying an additional property, Florida Capital Bank offers a variety of mortgage loan options. Our Mortgage professionals are ready to help you accomplish your dream of owning a home. You'll find many alternatives with competitive rates and terms. From application to closing, you’ll enjoy friendly personalized service.

Mortgage Products

Here are just a few of the mortgage products we offer:

  • Conventional Fixed-Rate mortgages and Adjustable Rate Mortgages (ARM)
  • FHA, VA, and USDA
  • Jumbo

Ready to get a mortgage loan today?

Start a Florida Capital Bank Loan application online. It's easy and takes approximately 20 minutes to complete, and your progress will be saved as you complete each step.



We have built a knowledgeable team proven to succeed, with a "Can Do" attitude. The Florida Capital Bank's mortgage division wants to partner with lenders who originate loans in the Broker or Correspondent lending channels. FLCB offers the flexibility of a national mortgage lending network, providing you a powerful resource to help grow your business. If you are a lending institution interested in building a partnership with our mortgage division please visit us at for more information.

 With Florida Capital Bank, you get personalized service, which is hard to get with larger institutions these days. They listen to your needs and respond with timely solutions, and they make time to come out and sit with us face-to-face and work through details. 

Will Montoya
Principal owner and founder of Montoya & Associates

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