Primis Mortgage is an Equal Housing Lender

Not Your Average Mortgage

Meet the ATM Loan

The ATM Loan—short for Access Total Mortgage—brings your mortgage, checking, and Home Equity Line of Credit (“HELOC”) together into one powerful account. Your deposits automatically go to work lowering your balance, which can help you save on interest and pay off your home faster.

What's the ATM Loan?

The Access Total Mortgage (we call it the ATM loan for short) is your primary mortgage—a first lien HELOC and comes with a checking account. This loan offers you one smart, flexible account. Every dollar you deposit remains in your checking account, and is transferred to your loan account nightly. Plus, you have access to your available equity up to the maximum credit limit if you need it.

How It Works

Your cash doesn’t just sit there — it works for you. See how the ATM Loan helps you pay down your balance faster while keeping your money accessible.

  • Make Deposits

    Your deposits go straight into your linked account. The deposits made into your linked checking account, that remain in your checking account, are transferred nightly and applied to your mortgage loan account, reducing the balance and can lower the amount of interest you pay.

  • Watch Interest Shrink

    Because interest is calculated daily, the more you keep in your account, the less you pay over time — helping you pay off your home faster and save on interest.

  • Access Funds Anytime

    Need your cash? It’s always available, up to your credit limit. Access funds easily through debit, online bill pay, or mobile banking — just like a traditional checking account.

The ATM in Action

The ATM in Action

Check out how the Primis ATM loan makes it possible for your money to work as hard as you do — potentially lowering interest and reducing overall pay off time.

See The Difference For Yourself

Curious how much faster you could pay off your home—or how much you could save in interest—with an ATM Loan? Use our comparison tool to find out.

Ready to take control of your mortgage?

Let’s see if the ATM Loan is right for you. Fill out the form and a Primis Mortgage specialist will be in touch to walk you through your options. No obligation, just clarity.