Lake City

Make memories in your own home.

Modern Loan Solutions

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When it comes to buying a home, every situation is different. Different financing needs, qualifications, and time constraints can make the home buying process a tedious one. At First Federal Bank, our team of experienced mortgage loan officers will help assess your situation and help you make the best decision. We offer a variety of different types of financing solutions:

  • FHA, USDA, VA, and Conventional
  • Jumbo Loans
  • Construction-to-Permanent
  • Manufactured Housing
  • Fixed and Adjustable Terms
  • Adjustable-Rate-Mortgages (ARMs)
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Meet the Lake City Team

Robb Burns

Call: (386) 755-0600 x 3540

NMLS #457332

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Donna Cox

Call: (386) 362-3433 x 3905

NMLS #1124315

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Cathy Lucius-Dortch

Call: (386) 755-0600 x 3544

NMLS #1207393

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Flexible mortgage loans.

FHA, USDA, VA, and Conventional

These loans are offered by specific groups/administrations that offer benefits that allow you to receive lower interest rates and easier down payment requirements.


With a single closing, construction-to-permanent loan simplifies the traditional construction loan by combining financing and mortgage into one loan.

Fixed-term or Adjustable-term

While fixed-term mortgages offer you the comfort of a never changing rate or payment, adjustable-term mortgages can be fixed term and then switch to a range of interest rates.

Jumbo Loans

When you need to finance more than our typical FHA, VA, or conventional loans will allow, jumbo loans and our experienced mortgage loan officers can help.

Manufactured Housing

Our manufactured and modular mortgage specialists will guide you through the buying process. Regardless of financing options, we can help get you headed in the right direction.

Adjustable-Rate Mortgages (ARMs)

Enjoy lower initial payments for your mortgage. With lower payments you can pay more to principle, have more cash flow, and may help if you plan to sell in a few years.

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How much will I need for a down payment?

Depending on the type of loan you are financing, you may be required to make a down payment ranging from 0% to 20%. There are many advantages to both small and large down payments including income tax benefits. Contact a Loan Officer today to provide you with all your options.

What is the difference between Pre-Approved and

Pre-Qualification is an informal estimation of what size mortgage the borrower may qualify for. Pre-Approval is a formal statement of the specific mortgage amount in which the borrower is approved for.

What if I am in the process of switching jobs?

Securing a mortgage during an employment transition is common. You need income that is reliable, stable, and likely to continue for at least 3 years. New positions require you to remain in the same field. Contact your First Federal Bank Loan Officer today to assist you with this process.

All loans are subject to credit underwriting and approval. See a mortgage loan officer for more info.