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.

Click here for information regarding the Heartbleed vulnerability in OpenSSL.  First Florida Bank is pleased to welcome Leida S. Bilby as our newest Vice-President/Mortgage Loan Officer.  Click here for more details.  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.  First Florida Bank is currently offering a 2 Year Adjustable CD for a limited time only!  Contact a representative for 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!