Refinance Home Loan - For Physicians

Physician Bank offers multiple home loan refinancing options for licensed physicians in all 50 U.S. states.

Home Refinance Loan Types:

Additionally, qualified physicians can obtain mortgage financing up to $2,000,000⁵. Medical residents and practicing physicians may apply. Contact us today to learn more!

¹ 95% financing available on purchase loans up to $725,000. 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 Maximum DTI is 45%

⁵ Subject to approval, 95% financing not available on loans over $725,000. Contact us to learn more.

Important Information

Procedures for Opening an Account
Mandated by the USA PATRIOT ACT

To help the government fight the funding of terrorism and money laundering activities, the USA PATRIOT ACT, a Federal law, requires all financial institutions to obtain, and record information that identifies each person who opens an account.

What this means for you:

When you open an account, we will ask you for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

The 100% financing option while we started our first post-residency job, their rapid and efficient response rate to our questions and our numerous changes in schedule that occurred with our builder, and the absence of PMI were all extremely helpful.

Dr. David Ogden, UT

The entire team was easy to work with & made our loan a seamless process for buying a home. Being able to avoid PMI is an awesome benefit.

Dr. Sayer Mansfield, TX

The Physician home loan was exactly what we needed and our lending specialists, Chris, made buying our home easy and enjoyable.

Dr. Moe Reno, NV

Being able to have a 0% down payment was convenient and made it feasible to buy property right out of school. The Physician Bank team was super easy to work with and responsive to our needs either via text, call or email!

Dr. Catibog Roseville, MN

Kept us informed all throughout the process and was very patient with our questions. We cannot recommend this institution and Julie Velline enough. Thank you!

Dr. Radu Minot, ND

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Physician Bank

140 North Phillips Avenue #101A, Sioux Falls

4.9 61 reviews

Kazvin Marfatia ★★★★★ 5 months ago
My fiancé and I are so grateful we got to work with Julie! As first time home buyers, the home buying process can be daunting but we honestly could not have had a better experience. Julie is available night and day to address any of our … More concerns and her responses are always very prompt. We valued how organized she is and would recommend her expertise to anyone. Thank you Julie!!! Looking forward to working with you again in the future :)
Kirbi Sullivan ★★★★★ 7 months ago
Matt was the best! Wonderful to work with and made the process so easy. Very responsive and easy to get ahold of 24/7. Great option for first time home buyers and young physicians in residency. My husband looked at several options for mortgages … More and the Physician Bank team was by far the best. Juanita was also wonderful and very helpful! Will definitely be recommending to other physicians looking to buy.
Cristina Toledo-Cornell ★★★★★ 7 months ago
I worked with Teresa DeWolf anf her awesome team and I could not be happier with their professionalism, engagement, efficiency and overral stellar costumer service. I have now referred her and her team at Physicians bank to other colleagues … More and family. She gave ne a great rate and I am a seasoned Buyer (4th home). The process is seameless and the app super user friendly. I could not have asked for a more seameless experience on getting a loan! Thank you!! Picture of my new home bellow!
Fernando Zayas Bazan ★★★★★ 5 months ago
Physician Bank helped me secure a home loan at a great interest rate. We just closed June 12th 2023! Thank you Ryan and Physician Bank for making this sooo smooth!
Trinh To ★★★★★ 3 months ago
We had the utmost pleasure to work with Julie Velline. She is amazing!!! She helped us close the house in 4 days!! She honestly did God's work and made our dream come true. We were with another lender for 2.5 weeks and were not satisfied … More with their service. The previous lender clearly did not specialized in physician loans like we thought they do. Otherwise, they wouldn't have made the process more complicated than what it really is. It was the constant back and forth and none of our goals were being met. You would think there'll be minimal issues when you have 1 pharmacist and 1 medical physician in the household with 2 incomes. We had major headaches with the previous lender before we finally gave up on them and decided to be brave to reach out to a new lender during the buying process!! I called 1-2 other lenders and they all gave me the realistic answer of "No, we need at least 3-4 weeks to gather all the paperwork and process the loan". It was understandable considering we were with another lender for literally 2.5 weeks yet no loan was officially closed. I finally reached out to Julie for one final effort… and it was on Labor Day, 9/4! I did not anticipate any response due to the holiday and clearly all the banks would be closed. However, Julie responded!! She said they were closed for the holiday but she was willing to look over our documentation. I asked her if she can realistically help us close the loan on our closing date & she said "I don't see why not??". I was nearly in shock. My boyfriend and I sent over all the required documents. Julie and her processor literally worked around the clock for 2-3 days straight, I tell you! She was super responsive to her emails and worked like no other. She made sure to take care of us and to meet our goal of closing the house on 9/13/23. Honestly wow. Everyone we encountered during this buying process was nice and enjoyable to work with. They clearly know what they're doing and clearly have worked with other physicians and healthcare professionals before. They know how doctors live their life and their typical situations. They didn't have much questions regarding our background and finances. A+++ for Physician Bank and Julie! We are truly thankful for you.
Tony Captain ★★★★★ 5 months ago
Matt velline was an amazing mortgage loan originator. This was undoubtedly the most flawless and efficient process I have ever been involved in to obtain home mortgage loan. Rather the Spanish inquisition, I encountered a consummate professional … More who embodied sincerety and kindness. He was informative every step along the way and made the experience pleasant and tranquil. Matt made the process seem easy and comfortable. So, indeed wonderful loan mortgage originator that was the most superb!!!! Thank you physician bank for being the best ever in my book!!!! Also, Julie and Juanita were an intricate part of the process and great assets to the team!!! Kudos to all!!!!

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Refinance Home Loan - For Physicians

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