Ana Guzman
Whether you’re purchasing your first home or looking to refinance, the journey can feel overwhelming—but it doesn’t have to be. The right guidance can make all the difference. I am a proud United States NAVY veteran with over 20 years of experience in the financial industry. Having weathered many of the industry’s ups and downs—including the subprime mortgage crisis of 2008—I bring a deep understanding of the mortgage landscape to every client interaction. My military background instilled in me a passion for service, commitment, and protecting others, values I bring to every homebuyer and homeowner I serve. As a dedicated Loan Officer, my mission is simple: to provide you with the knowledge and trust you need for a smooth, stress-free mortgage experience. I take the time to build strong, honest relationships so I can guide you toward the best financial solutions for your unique goals. As both a homeowner and a single mother, I know firsthand the importance of balancing financial obligations and dreams—and I can help you do the same. Throughout my career, I’ve received multiple industry awards for top performance, and I pride myself on staying up to date with the latest mortgage products. My expertise, combined with a genuine desire to see clients thrive in their homes and communities, allows me to simplify the loan process and deliver the exceptional service you deserve. Let’s work together to turn your homeownership dreams into reality—smoothly, confidently, and with integrity.
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Everything you need for your next home.
Mortgage options designed to simplify your path
to home ownership
Traditional Mortgages
Finance your dream home with a mortgage from First Federal Bank. With over 60 years of helping customers achieve homeownership, you can trust that your experience will be smooth and seamless.
Construction-to-Permanent
Build and finance your home with one loan. Our construction to permanent option covers both phases, simplifying the process with a single closing and flexible terms.
VA Mortgages
Choose from a range of mortgage options including conventional, FHA, USDA, and VA loans—each designed to fit different needs and make home ownership more accessible.
Hear from people just like you that trust in First Federal Bank.
The best customers deserve the best
banking experience.
Scott Nunley
They are always helpful, nice, and services are great. Everyone is quick to help and resolve any issues you may have.
Deonna Willis
Lake City – Mall Branch
After 20 years with First Federal Bank, I easily leveraged our relationship to finance my new venture, Columbia Drip Bar. Their local presence, trustworthiness, and friendly service make First Federal the perfect banking partner
Michael McKinney
I was glad to support my local bank to secure an SBA loan to open Line X in Gainesville. Staying connected to the community and contributing to the local economy’s growth is important to me