Fixed Rate Residential Mortgages
Interested in buying or building a new home? First Federal is committed to making home financing fast, easy, and affordable with local decision making and friendly service.

To begin the application process, click on Apply Now below to fill out our mortgage application. You may fax the application to (386) 754-7155 with Attn: Residential Department; or mail it to First Federal Bank of Florida, Attn: Residential Department, PO Box 2029, Lake City, FL, 32056; or bring it to your local branch.

Personal Auto, Boat, Lot or Land Loans
A personal loan is just that...personal. That’s why we create custom loans for whatever you need.

We can help you with personal loans of $2,500 or more, within the bank's lending area.  Loans subject to approval, verification and collateral evaluation.

To begin the application process, click on Apply Now  below to fill out our personal loan application. You may fax the application to (386) 754-7159, Attn: Consumer Loan Dept. or mail to First Federal Bank of Florida, Attn: Consumer Loan Dept., PO Box 2029, Lake City, FL 32056; or bring a copy of application to a local branch.

Home Equity Line of Credit
Use the equity in your home to remodel your kitchen, add a deck, or go on vacation - the possibilities are endless!

We can help you with home equity lines of credit of $2,500 or more, within the bank's lending area.  Loans subject to approval, verification and collateral evaluation.

Contact your Personal Lender today to learn more. Ask about the No Closing Costs option!