MORTGAGES
Built Just For Doctors
We know doctors deserve excellent service. That is why Panacea Financial is proud to partner with Primis Mortgage to help you lock in low rates when you purchase your home or refinance your mortgage.
Mortgages That Doctors Can Trust
Competitive Rates
Finance On Your Schedule
Get prequalified, view progress, and message a loan officer, all on a mobile app.
Dedicated Mortgage Team
Dedicated mortgage officers are here to help you from start to finish.
Home Loans For Every Need
Purchase A New Home
Are you a first time homeowner or purchasing your forever home?
Refinance An Existing Home
Looking for a lower rate on your existing mortgage?
How It Works
Prequalify
Get prequalified for a home loan in about an hour by starting here.
Get Approved
Learn what loan options match your goals and complete the application.
Close Your Loan
Use your to-do list to verify the details and get to closing fast.
Still have questions?
Review our Ebook for a deeper dive into everything you need to know about your mortgage options as a doctor.
Speak With A Doctor Mortgage Specialist
Resources
Can You Pay a Mortgage with a Credit Card?
As a doctor, you’re no stranger to complex financial decisions—whether you’re in training, early in your career, or well into practice. While managing student loan...
10 Questions To Ask Your Mortgage Lender As A Doctor
Are you considering homeownership? As a doctor, you may face barriers to purchasing a home including high student loan debt and delayed buying due to...
Should I Make Principal-Only Mortgage Payments?
After you’ve gotten that first or second big paycheck as a doctor, you may be wondering if you should make an extra (principal-only) mortgage payment...
FAQs
What is a mortgage?
A mortgage loan (or home loan) is a loan to purchase a home or other real estate—without having all the money upfront.
What is the minimum down payment needed to buy a home?
Depending on your situation, you may be able to put as little as 0% down. Connect with one of our mortgage specialists to learn more about possible options.
How much do I qualify for?
Depending on your situation, you may be able to put as little as 0% down. Connect with one of our mortgage specialists to learn more about possible options.
What are the different types of mortgage loans?
The doctor loan program is a mortgage loan for eligible doctors and has an adjustable interest rate with up to 100% financing. There are other loan products that have fixed and adjustable interest rates and varying levels of financing. There are government programs as well, i.e. Fannie Mae, Freddie Mac, FHA, VA and USDA.
Will applying for a mortgage affect my credit?
Whether you are requesting a prequalification or submitting an application, Primis Mortgage will obtain a credit report from one or more of the credit reporting agencies, which may affect your credit.
Who will be the lender on my mortgage?
Primis Mortgage will be the lender on your loan. Panacea Financial is a division of Primis Bank and Primis Mortgage Company is a subsidiary of Primis Bank. We all work together to help you purchase or refinance your home.
Disclosure/Fine Print
The information and advertised terms, including interest rates, are from Primis Mortgage Company (www.nmlsconsumeraccess.org NMLS# 1894879; Equal Housing Lender). Mortgage applications can only be submitted in those states that Primis Mortgage is approved to lend. Panacea Financial is not a mortgage lender in any transaction and does not make mortgage loans, mortgage loan commitments or lock-rates related to mortgage loans. All credit decisions for mortgage loans, including loan approval and the conditional rates and terms offered, are the responsibility of Primis Mortgage Company and will vary based upon the loan requested, the borrower’s financial situation, and criteria determined by Primis Mortgage Company. Not all consumers will qualify for the advertised rates and terms. All information provided is subject to verification. Other terms and conditions may apply. Panacea Financial does not guarantee that Primis Mortgage Company will make you a conditional loan offer and nothing herein or on this website is considered a commitment to lend. Panacea Financial is a division of Primis Bank and Primis Mortgage Company is a subsidiary of Primis Bank.