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.

Looking for a credit card that earns you rewards for merchandise and travel?Click here to apply for a First Florida Bank Credit Card! First Florida Bank is pleased to announce the addition of Steve Ruckel as Vice-President/Director of Marketing! Click here for full press release. Want to stay current on the latest products and services we offer? Click here to sign up to receive First Florida Bank's newsletter! First Florida Bank is pleased to announce the addition of Barry Stanley as our new Senior Vice-President/Director of Secondary Market Lending. Click here for full press release. 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 is now on Facebook! Click here to like us!