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? First Florida Bank is now offering an 18 Month CD with a Fixed Rate of 1.30% APY. Click here for more details! 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!