- Fixed-rate mortgages: We offer fixed-rate mortgages that provide consistent interest rates, ensuring stable monthly payments over the life of the loan.

- Adjustable-rate mortgages (ARM): Our adjustable-rate mortgages come with an initial fixed rate for a specified period, after which the rate adjusts periodically based on prevailing market conditions.

- FHA loans: First State Mortgage provides FHA loans that are insured by the Federal Housing Administration, offering flexible qualification criteria and low down payment options.

- VA loans: We offer VA loans exclusively for eligible veterans, active-duty service members, and their spouses, providing competitive interest rates and no down payment requirements.

- Jumbo loans: First State Mortgage offers jumbo loans for financing higher-priced properties beyond the limits set by conventional mortgage programs.

- USDA loans: We provide USDA loans backed by the United States Department of Agriculture, facilitating home purchases in rural areas with low to moderate income eligibility requirements.

- Construction loans: Our construction loans assist borrowers in financing the construction of a new home or renovating an existing property.

- Refinance loans: First State Mortgage offers refinancing options to help homeowners lower their monthly mortgage payments, reduce interest rates, or access equity in their homes.

- First-time homebuyer programs: We provide assistance and loan programs tailored specifically for first-time homebuyers, offering competitive rates and down payment assistance.

- Reverse mortgages: Our company offers reverse mortgages, a financial tool available to homeowners aged 62 or older, allowing them to convert a portion of their home equity into cash.

- Other loan programs: In addition to our primary loan offerings, First State Mortgage provides various specialized loan programs designed to meet specific borrower needs. Contact us for more information about these programs.