Pam Hitt

Pam Hitt

Senior Executive Vice President and Chief Operating Officer

hittp@ffbf.com

Senior Executive Vice President and Chief Operating Officer since 1999, Pam joined the company in 1992. She is active in Altrusa International of Lake City, Florida. Prior to joining First Federal Bank of Florida, Pam was with First National Bank of Live Oak, Florida.
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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.

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Hear from people just like you that trust in First Federal Bank.

The best customers deserve the best
banking experience.

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Scott Nunley
They are always helpful, nice, and services are great. Everyone is quick to help and resolve any issues you may have.
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Deonna Willis
Lake City – Mall Branch
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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
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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
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