Julie Velline

PHYSICIAN MORTGAGE LOAN ORIGINATOR
NMLS #400989
julie@physicianbank.com
M: (763) 310-6152
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With over two decades of experience in the mortgage industry, Julie Velline has built a career as a loan officer. Julie managed her own brokerage offices for many years before joining Heritage Bank NA in 2017. Her passion for helping first-time homebuyers was sparked after purchasing her first home in 1996. Since then, she has dedicated her career to assisting clients in making their dreams of homeownership a reality.

For Julie, there is nothing more rewarding than guiding clients through one of the most significant purchases of their lives. Julie believes every home purchase is a valuable investment, whether it’s a primary residence, vacation home, dream home, or investment property. The most fulfilling moments come when clients sit at the closing table, grateful for a smooth, painless process facilitated by an experienced professional.

A testament to Julie’s dedication is when she talked to a young woman who was recently divorced with two children. She drove from California to Minnesota – all living in her car. She drove to Minnesota to live with her father, and her employer was able to transfer her position to a branch in Minnesota. After six months, she applied for a home loan for her and her kids – expecting to get a loan denial; we were able to approve her for an MN housing loan for 104% financing, and all she needed out of pocket was $1000. I will never forget the day I got to call her and tell her that her loan was clear to close and that on that Friday, she was going to be handed the keys to her new home as a homeowner. She cried for a long time and said, “Thank you for helping me and my two children with a second chance and a beautiful home where they could all make precious memories.

Julie has received numerous accolades throughout her career, including being a top 10 producer in Minnesota in 2006, a top producer certificate from MN Housing in 2023, and President’s Club recognition for closing over $30 million in 2023. Julie led the top-producing office in Fargo, ND, as a branch manager in 2004. She has built a consistent network of referral partners, including physician recruiters in FL and MN and numerous realtors across several states.

Julie enjoys a rich and fulfilling personal life outside their professional life. Married for 18 years with six children (three daughters and three sons) and two grandsons, she balances her time between Minnesota in the summer and Florida on the ocean the rest of the year. She’s also a part-time singer and entertainer, traveling the US with their husband and band, The Killer Vee’s. Julie loves camping, fishing, traveling, hiking, cooking, and entertaining friends, and family at home.

Julie prides herself on her many years of success in the mortgage industry and stands out by being available to clients in the evenings and weekends when they are typically shopping for homes. She takes customer service very seriously, cherishes her 5-star reviews, and always strives to exceed client expectations. For anyone looking to navigate the home-buying process confidently, Julie Velline is the trusted advisor you need.

BACK TO ALL TEAM MEMBERS

140 North Phillips Avenue #101A, Sioux Falls

4.9 66 reviews

Kelly Newton ★★★★★ 2 months ago
We had a lot of life changes and purchasing a new home was one of them. Julie was patient, knowledgeable, and walked us through every part of the process. Julie is an excellent communicator and was available at random times around my schedule. … More I highly recommend her and we now have the house of our dreams!
Kazvin Marfatia ★★★★★ a year 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 🙂
Antoinette Hunt ★★★★★ a week ago
Nikki was a pleasure to work with. She made the transaction smooth to the closing. She is a professional and was responsive whenever needed to all parties concerned. She cares about her clients. I would highly recommend her for any of your … More loan needs.
Antoinette Hunt
Boukari Realty
Alachua Fl
Tessa LaBounty ★★★★★ 4 months ago
I can not thank Julie Velline enough for the service she provided us during the home buying process. With the help of Julie and Physician Bank my husband and I were able to build our dream home. Julie was extremely knowledgeable and able … More to answer all of our questions (which as first time home buyers we had a lot of). She made the entire process run smoothly. I would definitely recommend Julie to anyone looking to buy or build a home, especially physician's who are interested in building their dream home as Physician Bank made the construction loan process so easy and seamless.
Brent Berry ★★★★★ 2 months ago
Julie is INCREDIBLE!! She is efficient and sooooo knowledgeable. The best part I would say is she cares!! She Pays close attention to each of my clients details and puts them in the best product to fit each buyers needs. Above all else … More she is the most kind and genuine person I know!
Brent Berry
eXp Realty
Fernanda Morais ★★★★★ 3 months ago
Julie was such a pleasure to work with. She was able to get everything we needed done quickly and smoothly (and responds during off hours) – even our realtor mentioned how efficient Julie was in making this process super easy.
Cristina Toledo-Cornell ★★★★★ a year 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 ★★★★★ a year 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 ★★★★★ 10 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.
Carolyn Lussenhop ★★★★★ a year ago
I had a wonderful experience with Physician Bank and they worked very closely with me to help me purchase my first home. My mortgage officer, Chris, was extremely helpful throughout the entire process. She is very knowledgeable, accountable, … More and went above and beyond to ensure that we closed on our home very quickly. We will continue to work with Physician Bank in the future, and I would absolutely recommend them to anyone!
Carrie Nemeh ★★★★★ a year ago
We just closed on our new home today and couldn't be more impressed with the service provided by Ryan at Physician Bank! He was incredibly responsive from start to finish. This was our first time buying a home so we had a lot of questions … More and Ryan was so patient and helped us every step of the way. We were able to get into our first choice home and close within 30 days. After extensive research we were most impressed by the choices and service provided by Ryan at Physician Bank which is why we ultimately chose this lender. Thank you!
Jonathan Wolf ★★★★★ a year ago
Jean at Physicians Bank was amazing. She got my wife and I in our forever home and helped us navigate the loan process. She made herself available to answer all our questions and helped make the lending process as stress free as possible. … More A true pleasure to work with and will be recommending her to others.