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.

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.

You've probably heard that mortgage debt in America just hit an all-time high. And that's true.But here's what the headl...
05/27/2026

You've probably heard that mortgage debt in America just hit an all-time high. And that's true.
But here's what the headline leaves out.

Equity is also near an all-time high. And at $34.1 trillion, it's more than double the $14.4 trillion in debt. (Source: Federal Reserve, Households; Owners' Equity in Real Estate, Level, April 2026)

That could be a good thing. It could mean most homeowners own far more than they owe. So, they may have a real financial cushion right now.

That’s something homeowners didn’t have during the crash of 2008. Back then, people owed more than their homes were worth. Today, it’s just the opposite.

Many homeowners may be in a stronger equity position, and the housing market may be on stronger footing than some headlines suggest.

Equal Housing Lender | NMLS #408902

You've probably heard that mortgage debt in America just hit an all-time high. And that's true.But here's what the headl...
05/27/2026

You've probably heard that mortgage debt in America just hit an all-time high. And that's true.
But here's what the headline leaves out.

Equity is also near an all-time high. And at $34.1 trillion, it's more than double the $14.4 trillion in debt. (Source: Federal Reserve, Households; Owners' Equity in Real Estate, Level, April 2026)

That could be a good thing. It could mean most homeowners own far more than they owe. So, they may have a real financial cushion right now.

That’s something homeowners didn’t have during the crash of 2008. Back then, people owed more than their homes were worth. Today, it’s just the opposite.

Homeowners are in a much better position, and the housing market is on stronger footing than the headlines suggest.

Many homeowners may be in a stronger equity position, and the housing market may be on stronger footing than some headlines suggest.

Equal Housing Lender | NMLS #408902

05/19/2026

Buying a home is a big step—and having someone who speaks your language matters. First Federal Bank Loan Officer Christian Huertas is here to support borrowers in both English and Spanish, offering clear guidance at every stage of the mortgage process. ¿Está listo para dar el siguiente paso hacia su hogar? How can Christian support your homeownership goals today?

© First Federal Bank |Equal Housing Lender| NMLS #408902

Throughout May, we can pause to recognize several important military observances, including Loyalty Day, VE Day, Militar...
05/18/2026

Throughout May, we can pause to recognize several important military observances, including Loyalty Day, VE Day, Military Spouse Appreciation Day, Armed Forces Day, and Memorial Day.

Together, these days remind us to honor the courage, service, and sacrifice of our military members, veterans, spouses, and families.

At First Federal, we are grateful for all who have served and continue to serve our country.

https://hubs.ly/Q04h1plQ0

Military Appreciation Month: Your Dream Starts HereTo the veterans, active-duty service members, and military families w...
05/14/2026

Military Appreciation Month: Your Dream Starts Here

To the veterans, active-duty service members, and military families who have served and sacrificed — thank you.

This Military Appreciation Month, First Federal Bank is proud to help eligible military borrowers explore the benefits of a VA loan, which may make homeownership more attainable.

VA Loan Benefits May Include (for eligible borrowers):
✅ Little to no down payment
✅ Limited closing costs
✅ Gift funds accepted
✅ No pre-payment penalties

Whether you’re buying your first home, your next home, or simply want to learn more about your options, our team is here to guide you every step of the way.

🏡 Your dream of homeownership starts here.

📞 Drop a comment below to learn more about VA loan options.



© First Federal Bank |Equal Housing Lender| NMLS #408902

Advertisement for credit. Not all applicants will qualify. Terms and conditions may vary. All loans are subject to credit and property approval. No government endorsement implied.

Thank you Torsten B. for your five-star review of our Loan Officer, Juley Henry. Your feedback reflects the dedicated, p...
05/07/2026

Thank you Torsten B. for your five-star review of our Loan Officer, Juley Henry. Your feedback reflects the dedicated, personal service Juley strives to provide each homebuyer throughout the mortgage process.

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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