First State Mortgage offers a variety of housing loans. It offers loans for various purposes that include new house financing and existing house refinancing and construction. The company offers various types of loans that include fixed- and adjustable-rate loans. It also offers several government-sponsored house ownership loans that include Federal Housing Administration, Veterans Affairs, Tennessee Housing Development Agency and Guaranteed Rural Housing loans. Additional products offered by the company include fixed-term home equity loans and home equity lines of credit. Its Web site provides calculators for computing amortization schedules and mortgage tax savings. First State Mortgage maintains an office in Union City, Tenn.