Steps and tips for rebuilding

Together we're stronger.

Let's work together to rebuild our communities.

 
 
 
 
 
 

As of November 27th, our Panama City branch relocated to:

415 Richard Jackson Blvd, Panama City Beach.

New Hours for Panama City Beach (Richard Jackson Blvd):
Monday - Thursday, 9:00 am - 4:00 pm and Friday, 9:00 am - 5:00 pm


As recovery efforts from Hurricane Michael continue, First Federal Bank is here to help you rebuild. Our bank and our employees have been impacted by the storm as much as you, and we’re in this with you. As we rebuild our communities together, we’re here to help – we’re locals serving locals. Our local leaders can make local decisions to help you or your business navigate difficult financial decisions ahead. We’re listening and are ready to help you find the best path forward.

Below is information about options you may have for getting you or your business back up and running. If you want to speak to someone at the Panama City Beach branch directly, click here.

Contact your Mortgage Servicer

Notify your mortgage servicer that you have been impacted by the storm. Note whether you are in a Providentially Declared Disaster area (if you are aware).

If you have been displaced (temporarily), make sure to let your servicer know to contact you.

Ask about available disaster assistance payment relief options including payment forbearance and subsequent loan modification options. If you don't know how to reach your servicer, go to their website or check the Mortgage Bankers Association website for posted contact information for your servicer. If you have a mortgage from First Federal, click here for more information.

What happens if you can't make your mortgage loan payments?

If you work or live in area impacted by a disaster, you may be eligible for assistance with your mortgage loan such as:

  • Foreclosure Moratoriums - a freeze or pause on all proceedings toward the foreclosure of your home. If you are already delinquent or in the foreclosure process, this pause provides time to stabilize the borrower's finances before dealing with default and foreclosure.
  • Forebearances - An agreement between the borrower and the mortgage company to temporarily pause mortgage payments. *Remember: this is not forgiveness. You will eventually have to make up the payments. You should ONLY consider this action if your income or employment has been impacted by the disaster, or you have incurred a temporary spike in expenses related to the disaster. The sooner you can begin making regular payments, the better. Check with your Servicer for your repayment options, as they depend on your loan type.
  • Waiver of Late Charges - Servicers may waive late fees or other penalties during a time of disaster.
  • Suspension of Negative Credit Reporting - during a disaster-related forbearance period, missed payments would not be reported to credit reporting agencies in order to avoid negative effects on the borrower's credit score.

Beginning the Recovery Process

File Insurance Claims
MAKE THE CALL.
  • Your Homeowner's Insurance Provider - Speak with a representative about your policy and what they can offer to assist with recovery
  • Your Flood Insurance Provider - If you have a flood insurance policy, contact your provider to begin the claims process.
  • Windstorm Insurance - If you have a windstorm insurance policy, contact your provider to begin the claims process.

If you don't have insurance or sufficient insurance to cover the damage to your home, there is assistance which may be available to you.

Federal Emergency Management Agency (FEMA) - Apply for FEMA disaster assistance. DO NOT WAIT to hear back from your insurance providers. PAY ATTENTION TO APPLICATION DEADLINES.

www.disasterassistance.gov  |  (800) 621-FEMA [ TTY: (800) 462-7585 ] 


Small Business Administration (SBA)

Apply for SBA disaster loans. (FEMA may direct you to these options when applying to disaster assistance). While you may qualify for some housing assistance funds through FEMA, most disaster assistance from the Federal government is in the form of low interest disaster loans administered by the SBA. *Despite its name, SBA loans are not just for businesses!

(800) 659-2955 [ TTY: (800) 877-8339 ]


American Red Cross

Apply for immediate assistance. In addition to shelter, and other aid during a disaster, surivors can apply to the Red Cross' immediate assistance program to receive financial aid. PAY ATTENTION TO APPLICATION DEADLINES.

www.redcross.org | (800) RED-CROSS


State and Local Grants

Check your state and local government websites for additional programs and assistance for which you may be eligible.


2-1-1

2-1-1 is a free and confidential service available 24/7 to help people across the United States find local resources, including those related to natural disaster.

www.211.org  |  Dial 2-1-1

 
 
 
 
 
 
 
 

Here's who can help in your area.

Panama City

Priscilla Hagler, Financial Center Manager

Email: HaglerP@ffbf.com
Office: 850-257-0231
NMLS ID: #775153
Address:
415 Richard Jackson Boulevard, Suite 202
Panama City Beach, FL 32407
Directions

Heather Hate, Financial Specialist

Email: HateH@ffbf.com
Office: 850-257-0232
Address:
415 Richard Jackson Boulevard, Suite 202
Panama City Beach, FL 32407
Directions

Amy Hayes, Customer Service Specialist

Email: HayesA@ffbf.com
Office: 850-257-2621
Address:
415 Richard Jackson Boulevard, Suite 202
Panama City Beach, FL 32407
Directions
Stan Lindsey

Stan Lindsey, Certified Mortgage Banker

Email: LindseyS@ffbf.com
Office: 850-257-2621 X3632
NMLS ID: #203006
Address:
415 Richard Jackson Boulevard, Suite 202
Panama City Beach, FL 32407
Directions
Clint Mizell

Clint Mizell, City President

Email: MizellC@ffbf.com
Office: 850-819-0230
Address:
415 Richard Jackson Boulevard, Suite 202
Panama City Beach, FL 32407
Directions
Sandy Spear, Regional Sales Manager

Sandy Spear, Regional Sales Manager

Email: SpearS@ffbf.com
Office: 850-258-6478
Address:
415 Richard Jackson Boulevard, Suite 202
Panama City Beach, FL 32407
Directions

Marianna

Azur Barber, Financial Specialist

Email: BarberA@ffbf.com
Office: 850-526-7144 X3759
Address:
4701 Highway 90
Marianna, FL 32446
Directions

Angela Calloway, Financial Manager

Email: CallowayA@ffbf.com
Office: 850-526-4411 x3748
Address:
4215 Lafayette St
Marianna, FL 32446
Directions

Amber Johnson, Financial Specialist

Email: JohnsonAm@ffbf.com
Office: 850-526-7144 X3763
Address:
4701 Highway 90
Marianna, FL 32446
Directions
Don Nowell

Don Nowell, Regional Senior Commercial Lender

Email: NowellD@ffbf.com
Office: 850-557-9277
Address:
4701 Highway 90
Marianna, FL 32446
Directions

Amanda Parrish, Financial Specialist

Email: ParrishA@ffbf.com
Office: 850-526-4411 x3742
Address:
4215 Lafayette St
Marianna, FL 32446
Directions

Randy Smith, Retail Relationship Development Officer

Email: SmithR@ffbf.com
Office: 850-526-7144 X3741
Address:
4701 Highway 90
Marianna, FL 32446
Directions

Bonifay

Sam Bailey

Sam Bailey, Financial Specialist

Email: BaileySa@ffbf.com
Office: 850-547-3624 X3749
Address:
300 N. Waukesha Street
Bonifay, FL 32425
Directions
Celena Cook

Celena Cook, Financial Specialist

Email: CookC@ffbf.com
Office: 850-547-3624 X3726
Address:
300 N. Waukesha Street
Bonifay, FL 32425
Directions
Sandy Spear, Regional Sales Manager

Sandy Spear, Regional Sales Manager

Email: SpearS@ffbf.com
Office: 850-258-6478
Address:
300 N. Waukesha Street
Bonifay, FL 32425
Directions

Wesley Whitaker, Financial Manager

Email: WhitakerW@ffbf.com
Office: 850-547-3624 X3724
Address:
300 N. Waukesha Street
Bonifay, FL 32425
Directions
Whitney Ward

Whitney Ward, Financial Specialist

Email: WardW@ffbf.com
Office: 850-526-4411 x3729
Address:
300 N. Waukesha Street
Bonifay, FL 32425
Directions

Chipley

Leigh Clark

Leigh Clark, Financial Specialist

Email: ClarkL@ffbf.com
Office: 850-638-7892 X3746
Address:
1012 Main St
Chipley, FL 32428
Directions
Marisa Everett

Marisa Everett, Financial Manager

Email: EverettM@ffbf.com
Office: 850-638-7892 x3735
Address:
1012 Main St
Chipley, FL 32428
Directions
Ryan Hodge

Ryan Hodge, Financial Specialist

Email: HodgeR@ffbf.com
Office: 850-638-7892 x3723
Address:
1012 Main St
Chipley, FL 32428
Directions

Graceville

Debbie Arnold

Debbie Arnold, Financial Center Manager

Email: ArnoldD@ffbf.com
Office: 850-263-3225 X3420
NMLS ID: #821288
Address:
962 8th Avenue
Graceville, FL 32440
Directions

Christie Ealum, Financial Specialist

Email: EalumC@ffbf.com
Office: 850-263-3225 x3418
Address:
962 8th Avenue
Graceville, FL 32440
Directions

Frances Reynolds, Customer Service Specialist

Email: ReynoldsF@ffbf.com
Office: 850-263-3225 x3718
Address:
962 8th Avenue
Graceville, FL 32440
Directions