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PhysicianBank.com Second Home Loan

Second Home Mortgage Loans For Physicians.

Whether you’re fresh out of med school, in residency or a practicing physician, Physician Bank’s second home mortgage loans can help you achieve home ownership, refinance an existing property, or build the home you’ve dreamt of.

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Private Banking For Physicians

Banking That Fits Your Needs.

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Flexible Financing

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

Flexible
Financing

Flexible
Financing

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

Home Purchase

Home Loan Purchase

100% financing up to $1M for qualified physicians.

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Home Refinance

Doctor Loan Home Refinance

Cash-out and Rate & Term refinancing available.

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New Build

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Home construction loans with 100% financing up to $1M.

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Second Home

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90% financing up to $1M / max up to $4M. Terms vary.

Relocation

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Mortgage options available in all 50 states.

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Personal Loan

Doctor Loan Personal

Financing up to $200,000, repayment terms out to 7 years.

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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

    Physician Bank

    140 North Phillips Avenue Unit 101a, Sioux Falls

    4.9 32 reviews

    • Avatar Ambur Brown ★★★★★ 5 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!
    • Avatar 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!
    • Avatar Jessica Levy ★★★★★ 2 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!
    • Avatar 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 !
    • Avatar 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!
    • Avatar 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!

    Average response time <10 minutes

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