First Federal Bank Residential Lending

First Federal Bank Residential Lending NMLS ID #408902 For over 25 years, Watson Mortgage has been assisting customers to achieve their dream of homeownership and simplifying the mortgage process.

We believe in providing a legendary quality of service, which leads to customer satisfaction and lasting relationships. Each member of the team is committed to putting your needs first and keeping you informed throughout the entire process. We work closely with you from the initial home loan inquiry through closing day, to ensure an exceptional home loan experience. We are honored to help deliver the keys to the people we serve.

We’re honored to share that First Federal Bank has been named one of the Top 10 Mortgage Companies in the Medium Divisio...
06/24/2026

We’re honored to share that First Federal Bank has been named one of the Top 10 Mortgage Companies in the Medium Division for the 2025 Top Performers in Customer Satisfaction Awards, presented by https://hubs.ly/Q04mj1F10.

We’re grateful to our customers for sharing their experiences and to our team for their continued commitment to helpful, dependable service throughout the mortgage process.


Equal Housing Lender | NMLS #408902

A few years ago, sellers could often decline almost every buyer request.No repairs.No concessions.No negotiation.Today, ...
06/22/2026

A few years ago, sellers could often decline almost every buyer request.

No repairs.
No concessions.
No negotiation.

Today, the market looks a little different.

According to Zillow, 67% of sellers pay some or all of their buyer’s closing costs. (Source: Zillow, How to Get the Seller to Pay for Closing Costs, March 2026)

That does not mean every transaction will look the same. It does mean negotiation has become a more common part of the process again. In some situations, seller-paid closing costs may help reduce a buyer’s upfront cash needed at closing. In others, repairs, pricing, or a different concession may be the better option. It depends on the home, the buyer, the competition, and what is happening in the local market.

The key is understanding what options may be available in your area and how those negotiations could affect your home purchase.

Want to know what sellers in your area are negotiating right now? Leave a comment below to connect with one of our loan officers today.

Equal Housing Lender | NMLS #408902

First Federal Bank is honored to be nominated for Best of the Best Bank in Nassau County!We are grateful for the trust a...
06/12/2026

First Federal Bank is honored to be nominated for Best of the Best Bank in Nassau County!

We are grateful for the trust and support of our customers and community. If we've made a difference for you, we'd be pleased to receive your vote.

Voting is open now through June 26. Thank you for helping make First Federal Bank a Nassau County favorite!

Smaller homes are getting more attention right now.With affordability still tight, many buyers are looking for homes tha...
06/11/2026

Smaller homes are getting more attention right now.

With affordability still tight, many buyers are looking for homes that better fit their budget — and builders appear to be responding.

Newly built homes have been trending smaller for several years, and for some buyers, that may open up additional options.

A smaller new-construction home may come with a lower price point than a larger home, and some communities may also offer amenities like walking trails, fitness centers, shared spaces, or co-working areas.

So, if larger homes have felt out of reach, it may be worth considering whether a smaller home could better align with your budget and lifestyle.

Drop a comment below to connect with one of our loan officers today.


Source: Census, The typical new home in the U.S. is shrinking. Here’s what that means for buyers, April 2026
Equal Housing Lender | NMLS #408902

Thank you, Gerome M. for your amazing review of our Loan Officer, Matt Krasnoff!We’re thrilled to hear about your positi...
06/10/2026

Thank you, Gerome M. for your amazing review of our Loan Officer, Matt Krasnoff!
We’re thrilled to hear about your positive experience and appreciate you taking the time to share your feedback. Matt is dedicated to helping clients every step of the way, and we’re grateful to have him on our team.
Great job, Matt! 👏

Summer is a time for family gatherings, outdoor adventures, and making memories with the people we care about most. As w...
06/09/2026

Summer is a time for family gatherings, outdoor adventures, and making memories with the people we care about most. As we enjoy time at the pool, beach, parks, campgrounds, and other favorite destinations, it's important to stay mindful of safety and be prepared for the unexpected.

Taking a few moments to review important summer safety information can help protect our loved ones and ensure that every outing is both enjoyable and safe.

Check out the link below for helpful summer safety guidance and resources to keep you and your family safe all season long.
How to Stay Safe While Having Fun This Summer

https://hubs.ly/Q04kzdh20

First Federal Bank is proud to celebrate America’s 250th Anniversary!As our nation marks this historic milestone, we hon...
06/02/2026

First Federal Bank is proud to celebrate America’s 250th Anniversary!

As our nation marks this historic milestone, we honor the communities, businesses, families, and traditions that have helped shape America’s story. Here’s to 250 years of resilience, opportunity, and progress — and to building an even brighter future together.

https://hubs.ly/Q04jPCxB0


Equal Housing Lender | NMLS #408902

Thank you, Yomari C., for your amazing review of our loan officer, Jason Jepsky!We’re so glad to hear you had a great ex...
06/02/2026

Thank you, Yomari C., for your amazing review of our loan officer, Jason Jepsky!
We’re so glad to hear you had a great experience. Jason is dedicated to providing knowledgeable, caring, and responsive service throughout the mortgage process, and we appreciate you taking the time to share your feedback.
Congratulations, and thank you for choosing First Federal Bank!

As Military Appreciation Month comes to a close, First Federal Bank wants to extend our deepest gratitude to all who hav...
05/31/2026

As Military Appreciation Month comes to a close, First Federal Bank wants to extend our deepest gratitude to all who have served our country. Thank you for your sacrifice, dedication, and service to us all.

You’ve probably heard of the Veterans Affairs (VA) home loan. But do you know what it offers?In a recent survey, 68% of ...
05/29/2026

You’ve probably heard of the Veterans Affairs (VA) home loan. But do you know what it offers?

In a recent survey, 68% of Veterans didn’t know VA home loan programs may offer flexible down payment options for qualified borrowers. 77% didn’t know mortgage insurance may not be required in certain situations. (Source: NewDay USA, VA Home Loan Benefits, April 2026)

Many also have no idea they may be able to count their Basic Allowance for Housing (BAH) and Basic Allowance for Subsistence (BAS) as qualifying income.

Any of those VA loan benefits could make homeownership more achievable for eligible borrowers.

If you’ve served (or know someone who has), get in touch with one of our loan officers for more information on VA home loan options and what you may qualify for.

Equal Housing Lender | NMLS #408902


Advertisement for credit. Not a commitment to lend. All loans are subject to credit, income, property, and underwriting approval. Rates and terms may change and vary by credit profile and loan features. Not all applicants qualify. State restrictions may apply. Not endorsed by VA.

Address

9700 Touchton Road
Jacksonville, FL
32246

Opening Hours

Monday 8:30am - 5pm
Tuesday 8:30am - 5pm
Wednesday 8:30am - 5pm
Thursday 8:30am - 5pm
Friday 8:30am - 5pm

Telephone

+19046457111

Website

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