🏡 Move in with up to 104% Financing
to Cover Your Closing Costs!

Simple Application Process
Simple Application Process

Apply Online or Speak with a Specialist!

$0 Down Payment
$0 Down Payment

No Big Savings Needed to Get Started!

Flexible Loan Amounts
Flexible Loan Amounts

Borrow Up to $1 Million with Competitive Rates!

Designed for Medical and Educational Professionals
Designed for Medical and Educational Professionals

Focused on Your Unique Needs!

104% Financing Available
104% Financing Available

Covers closing costs so you can move in with less money upfront!

No Mortgage Insurance
No Mortgage Insurance

Save hundreds each month, no mortgage insurance required!

Flexible qualification guidelines
Request Information
Mortgage with No Deposit
Flexible qualification guidelines
Request Information

Secure Your 100% Mortgage
Apply Online in Minutes!

Step 1
Step 1

Start the online application by clicking the button below.

Step 2
Step 2

We'll be in touch to let you know if you're application is pre-approved.

Step 3
Step 3

We'll be there the entire process – walking you through the steps to become a homeowner!

Get Started

Get Started

100% Mortgage Loan FAQs

Who is eligible for PrimeWay’s 100% Mortgage Loan?

This program is designed specifically for:

  • Education professionals such as teachers, school administrators, counselors, and librarians.
  • Medical professionals such as doctors, nurses, pharmacists, and medical technicians.

Additional Requirements:

  • Minimum credit score of 680.
  • Two-year verifiable full-time employment history.
  • Debt-to-income ratio of 41% or less.
Do I need to be a PrimeWay member to apply?

Yes, PrimeWay membership is required to qualify for this mortgage loan. If you’re not a member yet, we can help you join during the application process.

What types of properties qualify for this mortgage?

The loan is available for purchasing a primary residence only.
Condominiums, Manufactured Homes, Barndominiums and government-backed loans like FHA, VA and USDA mortgages are not eligible.

What is the maximum loan amount I can apply for?

The program offers financing for loan amounts between $100,000 and $1,000,000.

Can I include my closing costs in the mortgage?
Yes! With 104% financing, you can finance 100% of the home price plus an additional 4% to help cover closing costs. 
What if I have student loans? Can I still qualify?

Yes, as long as your debt-to-income ratio does not exceed 41%, you may still qualify. Our mortgage specialists can guide you on managing your financial profile for approval.

Do I need to provide proof of employment or study?

Yes, you'll need to provide documentation confirming a minimum of two years of verifiable full-time employment in the medical or educational field.

Are there hidden fees or extra costs?
No, PrimeWay prides itself on transparency. While standard closing costs apply, there are no hidden fees. Plus, there’s no mortgage insurance required.
How does PrimeWay’s mortgage differ from traditional mortgages?

Unlike traditional loans that often require a 20% down payment, PrimeWay’s 100% mortgage program offers:

  • $0 Down Payment
  • No Mortgage Insurance
  • Tailored for Medical and Educational Professionals
How much will my Mortgage payments be?
You can easily calculate your mortgage using our mortgage calculator tool.

What Our Members Say About Us



 

* Loan approval is subject to credit approval and program guidelines. Interest rates and program terms are subject to change without notice. An escrow account for taxes and insurance may be required. Other eligibility includes a minimum credit score of 680, no bankruptcy in the previous 7 years, debt-to-income ratio not to exceed 41% and loan-to-value ratio not to exceed 104%. Minimum two-year verifiable full-time employment and income history in the Medical Industry or Educational Industry required. Minimum finance amount of $100,000. Maximum loan = $1,000,000. Loan purpose is limited to the purchase of a primary home only. Offer does not include Condominiums, Barndominiums, Manufactured Homes, FHA, VA and USDA mortgages or other government-backed mortgage loans. Credit may exceed the fair market value of the dwelling. The interest on the portion of the credit extension that is greater than the fair market value of the dwelling is not tax deductible for Federal income tax purposes; the consumer should consult a tax adviser for further information regarding the deductibility of interest and charges. Must qualify for PrimeWay in-house portfolio mortgage loan. PrimeWay membership is required. PrimeWay reserves the right to cancel or adjust this promotion at any time. Mortgage, Home Equity and Credit products are offered through PrimeWay. Deposit products are offered through PrimeWay.

To guarantee a rate, you must submit an application to PrimeWay and receive confirmation from a mortgage loan officer that your rate is locked. Application can be made by applying online or by speaking with a mortgage specialist by calling (713) 799-6200.

 

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