First State Mortgage offers a range of loan programs to suit different needs. Here are the details:

1. Conventional Loans: Traditional home loans with fixed or adjustable interest rates, available for purchasing or refinancing primary residences, second homes, or investment properties.

2. FHA Loans: Government-backed loans insured by the Federal Housing Administration, allowing for lower down payments and more flexible credit requirements.

3. VA Loans: Loans offered exclusively to eligible veterans, active-duty service members, and their families, providing favorable terms and low or no down payment options.

4. USDA Loans: Loans guaranteed by the United States Department of Agriculture for rural and suburban homebuyers offering no-down-payment options and affordable interest rates.

5. Jumbo Loans: Financing options for higher-priced properties that exceed conforming loan limits, ideal for luxury homes or properties in expensive markets.

6. Refinance Loans: Programs designed to assist homeowners in refinancing their existing mortgages, potentially lowering monthly payments, reducing interest rates, or accessing equity.

7. Adjustable-Rate Mortgages (ARMs): Mortgages with interest rates that can fluctuate over time, typically offering lower initial rates for a specific period before adjusting according to market conditions.

8. Fixed-Rate Mortgages: Loans with a consistent interest rate throughout the loan term, providing stability and predictable monthly payments over the life of the mortgage.

9. First-time Homebuyer Programs: Tailored loan options and assistance programs designed to help first-time homebuyers navigate the buying process and provide financial support.

Please note that specific eligibility requirements, terms, and conditions apply to each loan program. Contact First State Mortgage directly for more information or to discuss which loan program best suits your needs.