The Physician Home Loan

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Physician Home Loan

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Connect with a lender.

We typically respond in less than 10 minutes.

Questions? We’re here to help. Call now (888) 632-2651.

8am to 8pm. CST
Monday – Saturday

Your time is valuable.

Connect with a lender.

We typically respond in less than 10 minutes.

Questions? We’re here to help. Call now (888) 632-2651.

8am to 8pm. CST
Monday – Saturday

Your time is valuable.

Connect with a lender.

We typically respond in less than 10 minutes.

Questions? We’re here to help. Call now (888) 632-2651.

8am to 8pm. CST
Monday – Saturday

$0 Down Physician Home Loans

Available up to $1 million¹

The physician loan (sometimes called a doctor mortgage) was created because of the distinctive challenges many physicians face when borrowing due to their high debt-to-income ratios — thanks to student loans. Through Physician Bank, mortgage financing options are available in 50 states for licensed physicians, residents, and medical school graduates with the following degrees:

Medical Doctor (MD) · Doctor of Dental Surgery (DDS) · Doctor of Medicine in Dentistry (DMD) · Doctor of Optometry (DO) · Doctor of Osteopathic Medicine (OD) · Doctor of Podiatric Medicine (DPM) · Doctor of Veterinary Medicine (DVM) · Registered Pharmacists (PharmD)

Pressure-free no obligation mortgage pre-qualifications.

Loan Benefits for Physicians

$0 down up to $1 million¹

100% financing on loans up to $1 million for qualified physicians.

No PMI payment

Save money on monthly mortgage payments compared to loans with private mortgage insurance (PMI).

$3 million max loan amount²

Subject to approval, 100% financing not available on loans over $1 million. Contact us to learn more.

90-day locks³

Get qualified today and shop for 90 days with locked mortgage terms.

Student loan debt leniency⁴

Medical school loan debt has less impact during decisioning compared to some traditional mortgages.

DTI up to 45%⁵

Debt-to-income (DTI) compares how much you owe each month to how much you earn.

Townhome & condo approved

In addition to single-family dwellings, the Physician Loan can be used to purchase townhome and condo units.

Recent grads & residents

Mortgage options are also available for recent medical school graduates and residents.

¹100% financing available on purchase loans up to $1,000,000. Property use must be primary residence.

² Subject to approval. 100% financing not available on loans over $1,000,000. Contact us to learn more.

³ Subject to terms and conditions of the lock agreement.

⁴ 0.5% of student loan balance used as monthly qualifying payment.

⁵ Maximum DTI is 45%.

3 Steps to Get Into Your New Home

Follow these steps to get pre-qualified

Step 1

Answer a few questions online.

Tell us a bit about your home purchase plans so we can prepare the right mortgage information for you.

Step 2

Meet with your physician loan specialist

You’ll have a dedicated point of contact at Physician Bank to work with throughout the loan process. They’ll call you shortly after receiving your information to complete step3, pre-qualification.

Step 3

Get pre-qualified

The physician loan pre-qualification process can be finished in as little as 15 minutes over the phone. When finished you’ll know exactly how much you qualify for and how your physician loan is structured.

About Physician Bank

Physician Bank is a team of bankers and advisors with decades of experience guiding physicians through their financial journeys. As our customer, you will have access to a dedicated loan specialist, a personal private banker, proficient advisors, and more.

Physician Home Loans Shield Private

We value your privacy and do not sell personal data to outside companies or 3rd parties. Any information you submit through this website goes directly to Physician Bank.

Check Prompt

We understand your time is valuable so we pledge to provide prompt and courteous service throughout your loan experience.

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!

4.9 32 reviews

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!

The Physician Home Loan

$0 Down Physician Home Loans

Loan Benefits for Physicians

3 Steps to Get Into Your New Home

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