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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.
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Mortgages That Doctors Can Trust

Competitive Rates

Don’t overpay on your mortgage. Get a great rate on your dream home.

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?

Explore Your Options

Refinance An Existing Home

Looking for a lower rate on your existing mortgage?

Get Started Today

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.

Download Our Ebook

Speak With A Doctor Mortgage Specialist

Resources

This is a picture of a person opening a mortgage payment bill.

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...

Mortgage 101 for Doctors: Rent vs. Buy & More

Mortgage 101 for Doctors: Rent vs. Buy & More

Buying your first home is an exciting milestone. Whether entering residency or already a practicing physician, dentist or veterinarian, making the leap from renting to...

What Is A Doctor Mortgage Loan?

What Is A Doctor Mortgage Loan?

Are you a doctor considering purchasing a home? Becoming a homeowner can be a significant milestone in life, but because of doctors’ unique financial situations...

See More »

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.
Equal Housing Lender

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Panacea Financial Holdings partners with Primis Bank, Member FDIC, to deliver banking services through its Panacea Financial Division.

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External Websites: The information and analysis provided through hyperlinks to third-party websites, while believed to be accurate, cannot be guaranteed by Panacea Financial. Links are provided for informational purposes and should not be viewed as an endorsement
Fine Print

1. All personal loans have a $100 origination fee. To obtain a new loan with Panacea Financial, you must also have a Panacea checking account; there is no fee to open the account, a minimum deposit of $25 required, and there is no minimum balance. Other fees and charges may apply, see this link for full terms and conditions. The APR on your loan may be higher or lower and your loan offers may not have multiple term lengths available. Actual rate depends on credit score, loan term, and other factors. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. There is no fee or penalty for repaying a loan early. All APRs assume a 0.50% discount with auto-pay from a Panacea Checking account. We offer a 0.25% discount with auto-pay from a non-Panacea checking account.  To check the rates and terms you qualify for, click “Apply Today” and Panacea will conduct a soft credit pull to determine your possible rate and will not affect your credit score. Not all applicants qualify for the lowest rate or maximum loan amount; subject to credit approval.  Total borrower maximum varies by stage of career and with credit score: In School maximum is between $1,000 – $10,000; In Training maximum is between $1,000 – $20,000; In Practice maximum is between $1,000 – $50,000. Panacea utilizes the Equifax credit bureau, with a FICO score minimum of 660 to qualify for a personal loan.

2. No payments during the first year. For a 5-year term, you make reduced payments in years 2 and 3 of the interest accrued in the first year, added to the monthly interest. Full amortization years 4 and 5. For a 7-year term, you make reduced payments in years 2 and 3 of the interest accrued in the first year, added to the monthly interest. Full amortization over years 4, 5, 6, and 7.

3. For a 3-year term, you make interest-only payments in years 1 and 2. Full amortization in year 3. For a 5-year term, you make interest-only payments in years 1, 2, and 3. Full amortization in years 4, and 5. For a 7-year term, you make interest-only payments in years 1, 2, 3, and 4. Full amortization in years 5, 6, and 7.

4. Interest-only payments during first 6 months of loan. Full amortization over remainder of loan.

5. Adverse Credit Event: two or more payments more than 30 days late, totaling more than $500, within the prior 6 months; accounts with a total outstanding balance greater than $1,000 that are 90 or more days delinquent as of the date of the credit report, or that have been placed in collection or charged off during the two years preceding the date of the credit report; default determination during the five years preceding the date of the credit report; bankruptcy discharge during the five years preceding the date of the credit report; repossession during the five years preceding the date of the credit report; foreclosure during the five years preceding the date of the credit report; charge-off/write-off of a federal student aid debt during the five years preceding the date of the credit report; wage garnishment during the five years preceding the date of the credit report; tax lien during the five years preceding the date of the credit report; consumer credit counseling within five years preceding the date of the credit report.

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