First Florida Bank is pleased to offer wealth management services through Raymond James. Click here for more information.

Residential Lending

If you are buying, refinancing or building a home, First Florida Bank has the loan to meet your needs at the most attractive terms available on the Emerald Coast. We have in-house underwriting and closing and offer financing on primary residences, second homes and investment properties.

The most flexible loan for borrowers purchasing a primary residence.

A loan for veterans and active duty military that requires no down payment.

The most popular option for the everyday person.

Rural Housing
A wonderful 100% financing option for purchasing a primary residence for anyone.

Jumbo Loans
For loans that exceed $417,000, we offer fixed rate loans as well as Adjustable Rate Mortgages at the most competitive rates.

Condos and Townhomes
Here in Florida, buying a condominium demands a certain product that is not readily available with just any lender.

Construction/Perm Loans
Build the home of your dreams!

Forms Resource Center

For more information on rates and terms, contact a First Florida Bank representative at (850) 269-1201 or click here to send an email.

For a limited time, First Florida Bank is offering a 15 month CD with a fixed rate of 1.20% APY. Click here for more details: 15 month CD Want more info about the new EMV chip cards? Click here for more details. First Florida Bank receives A+ rating from, click here for more details. First Florida Bank is proud to announce Brett Wilson has been promoted to President of First Florida Bank, as well as a Director of First Florida Bank and First Florida Bancorp, Inc.! Click here for full press release:Press Release First Florida Bank is now on Facebook! Click here to like us!