Primis Bank

Qualifications Required

You must be one of the following licensed professionals:

• Medical Doctors (M.D.)

• Osteopathic Physicians (D.O.)

• Dentists (D.D.S. / D.M.D.)

• Veterinarians (D.V.M.)

• Podiatrists (D.P.M.)

• Chiropractors

• Optometrists

• Ophthalmologists

• Surgeons

• Psychiatrists*

• Medical Fellows

*Psychiatrists appear in the program intro but are omitted from Primis's bulleted profession list — confirm with banker.

Key Features

• Up to 100% financing with no mortgage insurance (PMI)

• Minimum credit score of 720

• Qualifies based on expected income rather than current debt-to-income alone

• Designed to accommodate significant student loan debt

• Competitive adjustable-rate options

• Loan limits by down payment:

  • 0% down: up to $1,000,000

  • 5% down: up to $1,500,000

Key Benefits

• Designed specifically for medical and healthcare professionals

• Allows low or no down payment while preserving cash

• Backed by an FDIC-member institution

A few honest gaps versus the Atlantic Union sample, so you know what's not there rather than assuming parity:

• No residents/interns/PharmD line — Primis lists Pharmacists nowhere and doesn't mention residents or interns. I didn't add them.

• No 10%-down / $2M tier — Primis only publishes the 0%/$1M and 5%/$1.5M tiers.

• No autopay discount, no "no limit on time out of residency," no deferred-student-loan exclusion, no 90-day future-income window — those are Atlantic Union's specific terms, not Primis's, so carrying them over would be inventing terms.

• Fixed-rate availability isn't confirmed on Primis's page (only adjustable is named), so I left it out of Key Features.