Conventional Loan 

For over 100 years, First State has been unlocking “home” front doors with a trusted conventional home loan. Conventional mortgages are offered with either a fixed-rate or an adjustable rate. Fixed-rate mortgages offer a homeowner the peace of mind and security of knowing the interest rate is secure throughout the life of the home loan. Adjustable rate mortgages typically offer a lower starting rate which can be adjusted after one, three, five, seven or 10 years. Adjustable rate mortgages can offer lower monthly payments which may make it easier for you to qualify.

FHA Loans

FHA Loans are home loans insured by the Federal Housing Administration. First State offers FHA Loans to qualified home buyers

First Time Homebuyer

First State Mortgage specialists excel in finding the best home loan for every family. For many years, customizing home loans for First Time Home Buyers has been a driving force for our staff. First State Mortgage takes the time to listen and understand your situation. Our mortgage specialists can guide you through the many home loan choices available to your family. Whether you need a loan with a higher loan-to-value or have limited money for a down payment, we’re here to customize a home loan specifically for your family.

Guaranteed Rural Housing Loans

GRH Loans are guaranteed by a department within the USDA and provide 100% financing with no monthly mortgage insurance payments for eligible and qualified borrowers

Interest Only Loans

Interest only mortgages offer the flexibility to initially pay interest only on your home loan and keep your monthly mortgage payment low

Jumbo Loans

First State Mortgage can help you with loans over $417,000.00

THDA Loans

The Tennessee Housing Development Agency partners with First State to offer home ownership programs designed for low and moderate income families. 

VA Loans

First State assists with VA Loans. VA Loans are long-term loans guaranteed by the Department of Veterans Affairs. VA Loans offer 100% financing to eligible military veterans who qualify.

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