Vetinary Loans

Tailored Loans for Veterinary Professionals

At Physician Bank, we understand the vital role that veterinarians play in the well-being of our beloved pets. However, we also acknowledge the difficulties that come with managing finances for your veterinary practice and personal home. That’s why we’re excited to introduce Veterinary Home Loans*, specifically tailored to meet the unique needs of veterinarians like you. Whether you’re starting your own practice or looking to grow, our specialized loan options provide competitive rates, flexible terms, and personalized assistance. Take a leap into a brighter future with Veterinary Home Loans and let us be by your side every step of the way.

*Loans are subject to credit approval.

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Home Loan Solutions for Veterinarians

As a veterinarian, you have unique financial needs when it comes to finding a home. And at Physician Bank, we’re here to help. From recent graduates just starting out, to seasoned vets looking to upgrade or buy their dream home, we offer tailored lending programs and expert guidance to make the home loan process a breeze. We’ll work with you to determine your financial goals and create a loan that fits your needs, so you can spend less time worrying about homeownership and more time on your veterinary practice. Let us help you achieve your goals today!

As a veterinarian, you deserve the very best in mortgage flexibility. Our veterinary loan solutions give you a range of exceptional features and options. Discover the ultimate way to finance your dream home today!

Tailored Rates for Veterinarians: Get the best return on your investments with interest rates customized to meet your financial needs. Our rates are affordable and powerful, giving you the most value for your money as a veterinarian.
Achieve Your Goals with Flexible Loan Repayment Plans: Income instability shouldn’t hold you back. Our repayment options are tailored to match your financial circumstances. With customized plans ranging from short-term to long-term, we’ve got you covered.
Customized Financing for Your Veterinarian Practice: We know that every veterinarian practice is distinct, and we’re here to provide tailored financing options that take into account your income, credit history, and future earnings. Our ultimate aim is to help you achieve your dream of owning a home by providing the financing you need.
As a veterinarian, achieving homeownership has never been easier. Our exclusive loan programs provide reduced down payments, lower interest rates, and flexible eligibility criteria designed specifically for you. Don’t miss out on the chance to turn homeownership into reality.
Get Expert Help for Your Veterinary Loan Application! Applying for a loan in the veterinary field can be a challenge, but our experienced mortgage team is here to support you. With tailored guidance every step of the way, you’ll feel confident in making the best financial decisions for your profession. Count on us to help you reach your financial goals.

Let us help you achieve your dream of owning your own home with ease and peace of mind. Our flexible home loan solutions are tailored specifically for veterinarians, ensuring your financial stability on your path to becoming a homeowner. Don’t wait any longer to make your dreams a reality – take advantage of our expert support and become a homeowner today.

How to Qualify for A Veterinary LOAN

Qualifying for a veterinary home loan might feel overwhelming, but it doesn’t have to be. Physician Bank has made the process easy with just six criteria to meet in order to qualify. So don’t be intimidated, you can do this!

Get a Veterinary Loan with Proof of Income. You’ll need to provide pay stubs, W-2 forms or an employment contract from a veterinarian hospital or clinic to qualify.
Prove your financial stability with readily available funds from savings or brokerage accounts.
Your credit score determines your eligibility for a veterinary loan. To prove your creditworthiness, provide bank statements or paycheck stubs. Get the funds you need for your furry friend’s care.

Want to get approved for a loan? Make sure your debt-to-income ratio is in check. Keep your monthly debt payments under 40% of your income and you’ll be on your way to financial security.
Whether you’ve completed your residency or obtained a DVM degree, we require all applicants to possess a certificate or license to be considered for this opportunity.
Make sure to have official documents that confirm the address of your dream home before you seal the deal.

If you meet all the criteria to get into your new home through Physician Bank then congratulations! It’s time to get excited and start the process of getting approved for a veterinary loan today. No need to feel intimidated, just make sure you have all the right paperwork in hand.

GET STARTED WITH A Veterinary LOAN

Veterinarians seeking home financing can benefit from our veterinary loans. Follow these steps to begin the process:

Get Your Finances in Order for Your Veterinary Loan: To ensure a smooth and successful application process, it’s important to have all your financial information in one place. This includes your credit score, income statements, and any outstanding debts or loans.
Explore Your Veterinary Loan Options: Take some time to compare your options and find a loan that suits your needs. Look into the interest rates, repayment terms, and fees associated with each one.
Ready to apply for a veterinary loan? Contact Physician Bank to start the process! Just gather your financial information from step 1 and let us know what you’re looking for. We’ll guide you through the application process from start to finish.

Get your veterinarian home loan approved! Ensure your application is complete and accurate when the time comes. Eligibility for the loan depends on it.
Your application is in our hands: We’ll carefully evaluate it to determine your eligibility for approval. The review process can take anywhere from several days to a few weeks, so sit tight and keep an eye out for our response.
Get Funded: Once your loan is approved, we’ll provide you with the necessary funds. Remember to use the funds wisely and make timely payments to keep your credit score in good standing.

More Than Veterinary Loans

Save more and earn more with us! Aside from veterinary loans, enjoy our high-interest checking and savings accounts that offer competitive rates and low fees. Would you like to save on medical expenses too? Avail our Health Savings Account (HSA) and contribute pre-tax dollars. Plus, all qualified medical expenses are tax-free!

Transform your financial future with our banking products. Whether you need one or all, we’ve got you covered. Get in touch now to discover your options and achieve your goals with ease.

PAYROLL PLUS ACCOUNT

Give your paycheck a boost!

Get the best of both worlds – the convenience of Direct Deposit and an excellent rate of return.

JUMBO DEPOSIT ACCOUNT

Your savings, safe and secure.

Maximize your savings with our Jumbo account. Enjoy high-yield interest rates and flexible deposit options of up to $7 million, all fully FDIC insured. Start saving smart today.

HEALTH SAVINGS ACCOUNT

Convenient health funds.

Save for current and future qualified medical expenses with an interest-bearing HSA account. It’s perfect for eligible individuals who have high-deductible health insurance plans.

140 North Phillips Avenue #101A, Sioux Falls

4.8 76 reviews

Katie Moore ★★★★★ a month ago
I feel so incredibly lucky to have been able to work with Nikki Rydberg for my physician home loan. She repeatedly went above and beyond the call of duty to help me. She not only was the one who discovered a long-standing error in my credit … More report that even I had somehow missed (my medical student loans were reported in duplicate!), but she helped correct that error for the sake of this loan, and additionally helped me figure out next steps to take for permanent dispute of this reporting error for the sake of my credit in general. She was available to me around the clock for any and all questions, and I truly could not have asked for a better partner in navigating this stressful time. @Heritage Bank and @Physician Bank, you are incredibly lucky to have Nikki on your staff – I do not have enough positive things to say about my experience working with her!
Randy Cox ★★★★★ a month ago
Julie was great to work with through the mortgage process! She was very attentive, responsive, and supportive through the entire process. Highly recommend her and will be working with her in the future for any new home purchases or refinances! … More
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 🙂
Dr. CRP ★★★★★ a month ago
I need to provide a big thank you to Julie. I had an extremely hard time finding a lender who would provide a preapproval after relocating for work. All the other lenders were immediately dismissive since I have complicated finances due … More to owning multiple rental properties and the way lenders have been tightening their approvals. Julie straight up told me: I will find a way to get it done. And she followed through with that statement. Now I am typing my review in the comfort of my new home. It wasn't an easy process due to how complicated the structure of my properties are, but complicated and not having a home are two completely different scenarios. No one else could do it, but Julie did. A much deserved should out and 5 star review for getting the job done that no one else could. I am grateful.
Kelly Newton ★★★★★ 4 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!
Chase Jackson ★★★★★ a month ago
Excellent & easy to work with. The smoothest process we've ever had dealing with any bank transactions. Julie made closing a breeze…we were in and out in less than 30 minutes at closing.
Tessa LaBounty ★★★★★ 7 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 ★★★★★ 4 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 ★★★★★ 4 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.
Antoinette Hunt ★★★★★ 2 months 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
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 ★★★★★ a year 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.