The Physician Home Loan For Dentists

Only available at Physician Bank, this mortgage loan for home purchases is available in all 50 U.S. states. Dental physicians must be licensed with a Doctor of Dental Surgery (DDS) or Doctor of Medicine in Dentistry (DMD) degree. The Physician Home Loan offers unique benefits compared to many traditional mortgage types, including:

Additionally, qualified dental physicians can obtain mortgage financing up to $3,000,000⁵. Medical students, medical residents, and practicing physicians may apply. To get started, simply submit your information and one of our in-house physician loan specialists will contact you.

¹ 100% financing available on purchase loans up to $1,000,000. Property use must be primary residence.

² subject to terms and conditions of the lock agreement.

³ .5% of student loan balance used as monthly qualifying payment.

⁴ your DTI requirement may vary between 45% to 50% based on qualifying factors.

⁵ subject to approval, 100% financing not available on loans over $1,000,000. Contact us to learn more.

Convenient Digital Lending.

Convenient
Digital Lending.

Download our mobile app and simplify your mortgage experience.

Convenient,
Digital Lending.

Download our mobile app to start your application, compare loans and communicate directly with a Physician Bank mortgage loan originator

Download our mobile app to access mortgage tools, educational resources, start your application, securely scan documents and communicate directly with a dedicated Physician Bank mortgage loan originator.

By sending your phone number you agree to receive automated messages from Physician Bank to this mobile phone number. Standard SMS rates apply.

Flexible Financing

Banking solutions for dentists, dental surgeons, and orthodontists available in all 50 states.

Flexible
Financing

Banking solutions for physicians at every career stage available in all 50 states.

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Physician Bank

140 North Phillips Avenue Unit 101a, Sioux Falls

Ambur Brown ★★★★★ 6 months ago

Julie Velline is the absolute best! I have bought 8 homes in my lifetime and never have I had such excellent service with my mortgage. She is easy to talk to, responsive, very smart, and informed about mortgage options. She always answered … More all of my questions right away, even in the evening and on weekends. She worked with my real estate agent to make sure that my offer to buy a house was clear and well understood. She even spoke with the sellers agent for us! I whole heartedly recommend her. Thank you for all of your help in buying our dream house, Julie!

Johnny Holm ★★★★★ 3 weeks ago

I've closed several loans with Matt Velline and have every intention to only use his services in the future! Not only is Matt very experienced and knowledgeable, but makes himself available outside "banker hours!" That is … More a huge benefit to working with him. A true professional and a very patient and thorough loan officer! Matt and Physician Bank are the best!

Jessica Levy ★★★★★ 3 months ago

Our experience with Matt, Tanya & Juanita has been great! They took the time to answer all of our questions and ensure we felt comfortable throughout the entire process, even with the closing of our home falling over the holidays. We … More are so appreciative of all their support. Would definitely recommend!

Lauren Stipp ★★★★★ 4 months ago

Matt and Julie were persistent to help us from the first day we introduced ourselves ! They had worked countless hours, days prioritizing us . We are so appreciative of the professional service they provided . Absolutely recommend as we … More had a terrible experience in finding a construction loan up until this point . I cannot emphasize enough what a dream team they are !

Steven Gard ★★★★★ 6 months ago

Physician Bank associate, Julie, made the difficult home buying process relatively easy for my family and I! It was difficult to find a lending service I could trust that would thoroughly investigate all my options as a new resident coming … More straight out of medical school! Thank You for all your help Julie!

Hannah Thompson ★★★★★ 6 months ago

Julie Velline made our home buying process so easy! She was phenomenal to work with and always quick to respond to any questions we had!