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Construction/Perm Loans

If you want to build the home of your dreams, we can fund the construction and convert your loan to long-term financing when the home is completed.

For more information on rates and terms, contact a First Florida Bank representative at (850) 269-1201.
We have some new and exciting changes coming to our Cash Management, Remote Deposit Scanner and Online Banking in March 2019. More information will be forthcoming over the next few weeks! Our location on Harrison Avenue in Panama City has resumed normal business hours of Monday through Friday 8:30 am to 5:00 pm. We have not yet resumed our Saturday business hours.  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!