When you’re ready to buy a home or refinance your current one, the first step is finding the right mortgage. You want a loan that gives you the best chance of qualifying for a low-interest rate, with monthly payments you can afford. But with so many different types of mortgages available, it can be tough to know where to start.

A 15-year mortgage is a great option if you can afford the higher monthly payment. You’ll save money on interest over the life of the loan, and you’ll build equity in your home more quickly.

If you’re looking for a lower monthly payment, a 30-year mortgage may be a better fit. You’ll pay more interest over time, but you’ll have more flexibility in how you use your income.

No matter which type of mortgage you choose, First State Mortgage is here to help you through the process. We offer a variety of loan programs and our mortgage bankers will guide you through each one to find the best fit for your unique situation.

The process of securing a mortgage can be daunting, but with First State Mortgage by your side every step of the way, we’ll ensure a smooth and stress-free experience. We can close loans quickly so you can move into your new home sooner.