
Flexible Loan Solutions
Dreaming of owning a home?
At First Federal Bank, we understand that buying your first home is one of life’s biggest milestones, and we’re here to make it easier. Our down payment assistance programs are thoughtfully designed with first-time buyers in mind, helping reduce or even eliminate upfront costs that can often stand in the way.
Whether you're just starting to explore your options or are ready to make an offer, we provide flexible financing solutions, competitive rates, and personal guidance to walk you through every step of the journey. From pre-approval to closing day, our experienced team is committed to helping you navigate the process with confidence.
Let us help you open the door to your new home and a new chapter with trusted support and real financial solutions tailored to your needs.

Community First Home Mortgage
Eligibility Requirements
- A minimum FICO score of 600
- A debt-to-income ratio of 50% or less
- Borrower income at or below 100% of the county's Area Median Income (AMI)1
- Exclusive availability4 in Clay, Duval, and Marion counties in Florida.
- Completion of homebuyer education and counseling services5.
Benefits of the Community First Home Mortgage
- Up to 100% financing3
- Lower interest rates
- Flexible down payment requirements
- No Private Mortgage Insurance (PMI) required
- Can be used in conjunction with our Buyer's First Down Payment Assistance
Buyer's First Down Payment Assistance
With First Federal Bank's Buyer's First Down Payment Assistance1, you can gain financial stability and peace of mind knowing that we are here to provide specialized support to help you achieve your homeownership dreams. The Buyer's First Down Payment Assistance is a second mortgage subsidy designed to provide assistance to borrowers struggling to meet the down payment requirements when purchasing a home. Here's what you can expect from our Buyer's First Down Payment Assistance:
About the Program
- Up to $10,0002 in assistance to cover up to 100% of your down payment, reducing your out-of-pocket expenses.
- Exclusive availability4 in Clay, Duval, and Marion counties in Florida.
- Homebuyer education and counseling services are required5
Need help?
Don't let the down payment stand in the way of your homeownership dreams. Take advantage of our exclusive assistance solutions and let us help you make buying a home a reality. Contact us today to get started!
Experienced loan officers to help guide you through the loan process.