Baker County 
Bio coming soon. Please contact Frank Brown at 904.653.5400 x3851 or brownf@ffsb.com for more information.
Columbia County
Mitch has over 8 years of mortgage and financial industry experience and specializes in governmental loans and mobile home financing. With his experience in credit, loan, and branch management, Mitch knows the ins and outs of the mortgage process. Mitch is ready to go above and beyond for his customers and his community. He is currently the Treasurer of Bethlehem Community Center and on the Finance Committee of Bethlehem United Methodist Church. Want a free rate quote? Call Mitch!
Once a part of the University of Florida SEC Golf Championship team, Robb knows teamwork is essential. A long time Lake City resident, Robb has been in the banking and mortgage business for over 20 years. His goal as an originator is to serve his customers with knowledge, respect, and efficiency. To round out his mortgage experience, Robb served on the Columbia County Planning and Zoning Board for 6 years; 2 of which he was the chairman. Let Robb put his experience to work for you!
Roxanne has over 20 years lending experience. Roxanne loves helping first-time home buyers find the right financing option for them. She specializes in FHA, VA, Rural Development, and Conventional loans and has years of experience with the SHIP program. She will put her expertise to work for you, saving you time and money. If you're a home buyer looking for great financing options, contact Roxanne.
Duval County
Ernie has 28 years of financial services experience with 18 of those years focused on mortgage lending in the Jacksonville area. Over the years, Ernie has become the #1 Producer of Residential Loans in North Florida and has won many awards and recognitions prior to joining First Federal in December 2008. He has also served on several Homeowners and Condo Association Boards and currently is involved in several charitable and environmental organizations. Ernie's goal is to provide the best residential lending advice and counsel, and strives to be a customer's "Lender for Life". Call or email Ernie to begin reviewing your mortgage options.
Manatee County
Bio coming soon. Please contact Bonnie Stonehouse at stonehouseb@ffsb.com for more information.
Nassau County
Reed has over 26 years experience in the mortgage industry. Throughout the years he has worked for banks, savings & loans, local and national mortgage companies as well as owning his own mortgage brokerage company for 6 years. He has assisted thousands of homebuyers achieve their dream of homeownership. Reed says his goal is to always match the best loan product to the specific needs of each borrower. Reed is an affiliate member of the Amelia Island/Nassau County Association of Realtors. Contact Reed to learn more about your financing options.
Sarasota County
Christopher has been in the Mortgage business since 1993 serving the lending needs of real estate professionals, builders, and individual homebuyers. After graduating from University of Wisconsin in 1991, Chris began his career with ICM Mortgage (Pulte Homes' Mortgage) in Baltimore, Maryland. Chris has been a Retail Loan Originator, Sales Manager and worked in the mortgage wholesale field. He offers his expertise in every area of mortgage lending, from purchase or refinance to construction and lot loans, Conventional, Jumbo, FHA, VA and USDA-RD. He is committed to making sure there are no surprises at settlement and providing outstanding customer service.
Suwannee County
Sherri has been a loan officer with First Federal for over 20 years and thoroughly enjoys serving the Suwannee County area. As a mortgage originator, Sherri's goal is to offer her customers efficiency, fast loan processing, and excellent mortgage options. She has years of experience with all types of loans such as FHA, VA, SHIP, Rural Development, and construction-to-perm. Sherri is on the SHIP Suwannee County Advisory Committee, a member of the Suwannee County Builders Association and is a long-time Kiwanis member. Send her an email or give her a call and put Sherri's expertise to work for you.
After spending some time as a Commercial Lender and branch manager, Scott has returned to his forte as a Residential Loan Officer. He has over 5 years of experience and enjoys serving his customers in Suwannee County. Scott is passionate about getting to know his customers so he can provide them with the best possible financing options. Contact Scott by email or phone to learn about your options.