Viewpoint Bank Bankers Financial Mortgage Group offers a full line of mortgage products with in-house underwriting and closing. They have 10 locations serving Texas and the DFW metroplex. Their programs include Conventional Conforming, Non-Conforming (Jumbo), FHA and VA; 10, 15, 20, and 30 Year Fixed Rates;1, 3, 5, 7, and 10 Year Adjustable Rate Mortgages (ARM); Five and Seven Year Balloons; "80-10-10" and "80-15-5" with no PMI; Stated Income and No Income-No Asset Verification Loans; Alt 97 (97% LTV) and 103% loans; Subprime (or "B" Money) loans; Community Home Buyer Programs; Purchase or Refinance Plus Improvements Program; Non-owner occupied (Investor) loans to 90%; 100% or 103% Financing; Construction / One Time Close; 100% financing with no mortgage insurance and Reverse Mortgages. Details of these are available on the bank's website.