Physician Loans

Physician Loans

& Private Banking

Full Service Private Banking with Always on Call assistance.

Tailored for Medical Professionals, and with coverage across all 50 U.S. states, we are here to support your financial needs. Trust us to be there whenever you need us. For Physician loans*, business loans or personal checking and savings, choose Physician Bank, we are always on call.

*What is a Physician Loan? A physician loan is a mortgage product designed specifically for doctors, dentists, and other medical professionals. It offers advantages such as lower down payments and more flexible credit score requirements than traditional loans.

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AVERAGE RESPONSE TIME <10 MINUTES

Welcome to Physician Bank. We understand the unique financial needs of healthcare professionals and strive to provide a comprehensive banking relationship with customized loan and banking solutions that meet your needs.

TYPES OF PHYSICIAN LOANS

One of our most essential products we offer is a physician loan. We know you have a busy schedule and limited free time. Our streamlined loan1 process removes the hassle, making it easier to secure the financing you need for your investments.

Doctor Home Loans

Home Loans

  • No Down Payment2
  • No Private Mortgage Insurance PMI Fees
  • Debt to Income ratio up to 45%
Personal Loans For Physicians

Personal Loans

  • Financing up to $200,000
  • Flexible repayment terms
  • Quick financing decisions
Business Loans For Physicians

Business Loans

  • 100% financing up to 1 Million
  • Partnership Buy-in Loans up to 4 Million
  • Unsecured lines of credit up to $250,000
  1. All physician loans are subject to credit approval.
  2. 95% financing available on physician home loans up to $725,000. Property use must be the primary residence. Subject to approval. 95% financing is not available on loans over $725,000. Contact us to learn more.
single family dwellings
Doctor Home Loans
  • No Down Payment2
  • No Private Mortgage Insurance Fees
  • Debt to Income ratio up to 45%
Personal Loans For Physicians
Personal Loans
  • Financing up to $200,000
  • Flexible repayment terms
  • Quick financing decisions
Business Loans 1
Business Loans
  • 100% financing up to 1 Million
  • Partnership Buy-in Loans up to 4 Million
  • Unsecured lines of credit up to $250,000

1. All loans are subject to credit approval.
2. 95% financing available on purchase loans up to $725,000. Property use must be the primary residence. Subject to approval. 95% financing is not available on loans over $725,000. Contact us to learn more.

Who Are PHYSICIAN LOANS For?

Physician Bank is dedicated to helping medical professionals succeed financially. The following degrees qualify for doctor mortgage loan financing with Physician Bank.

Nurse Practitioners (NP)
Doctors of Chiropractic (DC)
Naturopathic Medicine (ND)
Doctor of Psychology (PsyD)
Doctor of Physical Therapy (DPT)
Doctor of Philosophy (PhD)
Doctor od Education (DEd and PhD)
Physician Assistants (PA)

Doctor Mortgage Loan - For Medical Professionals

Download Our PHYSICIAN LOAN App

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Deposits

Whether you need a checking or savings account, or access to a private banker, we provide white glove, personalized private banking services to physicians, and our team of financial experts is dedicated to understanding your unique needs.

Checking Accounts for Physicians

Checking

Accounts

  • High interest-bearing accounts
  • Free digital banking
  • Automatic ATM refunds1
Jumbo Deposit Savings Account for Physicians

Jumbo Deposit

Account

  • High interest-bearing full FDIC coverage up to $7 Million with ICS
  • $1k minimum to open account
Health Savings Account for Physicians

Health Savings

Account

  • High interest bearing
  • Tax-free distributions
  • $50 minimum to open account

1. Automatic ATM Refunds up to $25 dollars when qualifications are met. (Refunds for domestic ATM fees charged by other owners and Master Card cross border/currency conversion fees for debit card foreign transactions.)

Checking Accounts
Checking
Accounts
  • High interest-bearing accounts
  • Free digital banking
  • Automatic ATM refunds1
Jumbo Deposit Savings Account
Jumbo Deposit
Account
  • High interest-bearing full FDIC coverage up to $7 Million with ICS
  • $1k minimum to open account
Health Savings Account
Health Savings
Accounts
  • High interest bearing
  • Tax-free distributions
  • $50 minimum to open account

1. The Automatic ATM Refunds are up to $25 dollars when the qualifications are met. (Refunds for domestic ATM fees charged by other owners and Master Card cross border/currency conversion fees for debit card foreign transactions.)

Customer Service

For physicians who need more complex banking solutions than traditional methods, Private Banking for doctors by Physician Bank, provides deposit accounts that yield higher interest rates than many other banks. We also offer convenient tools, resources, and the dedicated customer support you need and expect.

Extended Physician Bank Hours

Extended

Hours

We’re available for you outside of traditional business hours. Always on call.

We Provide White Glove Customer Service

White-Glove

Service

A team of financial experts at your fingertips, from private bankers to lenders.

Financial & Credit Education Services for Physicians

Credit

Education

Decades of experience guiding physicians through their financial journeys.

Extended Hours
Extended
Hours

We’re available for you outside of traditional business hours. Always on call.

White Glove Customer Service
White-Glove
Service

A team of financial experts at your fingertips, from private bankers to lenders.

Credit Education
Credit
Education

Decades of experience guiding physicians through their financial journeys.

New! 4.04% APY* on checking.
*APY = Annual Percentage Yield

Accessibility Toolbar

Payroll Plus Checking Account

*APY = Annual Percentage Yield. Fees may reduce earnings. Interest rate is variable and may change after the account is opened. Rate applies to balances between $0.01 and $100,000

To earn 4.04%, you must:

  1. Have at least $5,000 in direct deposit each month from payroll, social security, investment income, or other forms of monthly income.
  2. Have monthly debit card purchases posted to your account equaling a minimum of $500. Please note that ATM transactions do not count toward the debit card purchase requirement.
  3. Enroll and receive monthly eStatements. With eStatements, you must have a valid email address to enroll. $4 per month fee applies if not enrolled in eStatements and paper statements are sent through U.S. Mail.

Payroll Plus Rates effective as of March 1, 2024. Minimum opening deposit of $100.