David Brewer

David Brewer

Senior Executive Vice President and Chief Financial Officer

brewerd@ffbf.com

David began working with First Federal in 2004 as Executive Vice President and Chief Financial Officer. Before working with the bank he was a partner at Odom, Moses & Company, a financial services company specializing in income taxation and financial planning for small businesses and high net-worth individuals. He has served as Trustee of the Lake City Municipal Firefighters Retirement Board, Member of the Suwannee Valley United Way Allocation Committee, and the Board of Directors (Treasurer) of the CARC.
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Everything you need for your next home.

Mortgage options designed to simplify your path
to home ownership

new homeowners

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.

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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.

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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.