We have money to lend. (Need some?)

ViewPoint Bankers Mortgage offers great rates and a variety of loan programs sure to meet your needs:
                                                                                                                                     
                                                                                                                                                 

Loan Type	Features
FHA	Only 3.5% down payment required   Loan amounts to $271,050   Up to 6% seller contributions allowed   Gifts OK (from family or "family-like" donors)
USDA	30-year fixed loans   Refinancing of Direct and Guaranteed USDA Rural Development   housing loans allowed   No down payment required
Fannie & Freddie	Loan amounts to $417,000   5% down – up to 3% seller contributions   10% down – up to 6% seller contributions   Interest-only option available
VA	$1.00 move-in possible   Seller can pay up to 4% of purchase price,    plus title policy and "non-allowables"   Texas Veteran Program
Portfolio Jumbos	80% LTV up to $1 million   Great rates available on 3/1 and 5/1 ARMs,    1-year Treasury and 2.75% margin, CAPS 5/2/5
Condos	New construction, condo conversions and FHA condo approvals
Purchase Plus Improvements   (Need a new roof, kitchen,   bathroom or pool?)	Roll in up to 25% of "as is" value into loan   Loan amounts to 95% of improved value   Up to 120 days to complete improvements   80% LTV to $1 million
Construction-to-Permanent   One Time Close	90% LTV to $417,000 (primary)   80% LTV to $1 million (primary)   Second home and interim financing available

*5/1 ARM : 4.238% Annual Percentage Rate (APR) based on loan amount of $600,000 with 20% down payment. Principal & Interest Payment of $3,453.94 for 60 months then rate adjusts annually for remaining 25 years based on above listed index, margins and caps. Rate available 4/28/09 for 45 day lock. Rates subject to change. Normal credit standards apply. 1/20/2010