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.

FHA
The most flexible loan for borrowers purchasing a primary residence.

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

Conventional
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.

Have you heard about the ScoreCard Rewards SCORE BIG SWEEPSTAKES? Visa Platinum and Visa Business Credit Card Holders are automatically entered just for being a cardholder! Earn an additional entry for each qualifying purchase made with your ScoreCard Rewards Card between August 1 and October 31, 2014. For sweepstakes rules and complete prize details visit: ScoreCardRewards.com or click here. Please note effective Monday, August 4, 2014, we will no longer be open until 6:00 pm. Our hours of operation will be Monday to Friday: 8:30 am to 5:00 pm. Additionally, on Saturdays, our drive-thru lanes will still be open 9 am to Noon, but our lobby will no longer be open on Saturdays. Thank you. First Florida Bank is now offering a 15-Month Fixed-Rate CD Promotion for a limited time only!  Contact a bank representative for more details.  Have you heard?  You can now earn rewards with your First Florida Bank credit card.  Visit www.scorecardrewards.com today to register your card!