"If I use factory reset will I lose all the programs and files I've loaded up or created since I bought the computer"
Yes, plus all the updates that have been downloaded for Windows and any other software you have.
"and how do I access factory reset?"
That depends on the computer manufacturer. It may not even be an option.
System restore is not a magic cure-all for problems with your computer. It should really only be used if, after an update or software installation, a problem occurs which seems to be as a direct result.
You'd be better off, posting descriptions of your problems, together with any other relevant information (such as OS version, make and model of computer, browser version, etc) and getting the problems sorted properly.