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.

IMPORTANT MESSAGE: Due to our core conversion that took place over the weekend, please take a moment to ensure that all accounts you have access to are displayed in Online Banking. Also note that you will have to set up any alerts or automatic transfers that were set up within our previous system. Your account history may be limited at this time so please refer to your actual Estatement for all transaction details. You will be able to contact the bank using the secure “Requests and Messages" system located in the Customer Service menu or call a First Florida Bank Representative at 850-269-1201 or toll-free at 844-627-0616. Thank you! Click here for important information concerning Online Banking, Transfers, Bill Pay and Quicken/Quickbooks. We have some new and exciting changes coming to our Cash Management, Remote Deposit Scanner and Online Banking in March 2019. Stay apprised of the changes by viewing the News & Events section of our website!   Thank you to all who voted First Florida Bank as “Best Bank” for Best of the Emerald Coast 2018! Looking for a credit card that earns you rewards for merchandise and travel? Click here to apply for a First Florida Bank Credit Card! Our credit cards now have a security feature to immediately alert you of any potential fraud through real-time text messages, as well as interactive voice mail and email fraud notifications. No enrollment needed as this is an automatic feature! FirstFLBank.com is now FirstFlorida.Bank Click here for details! 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 now on Facebook! Click here to like us!  

2018 Best of Emerald Coast