Veterinary Loans

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.



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.


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.


Give your paycheck a boost!

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

Physician eCentive Checking 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.

Physician Jumbo 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.

Physician Health Savings Account
New! 4.04% APY* on checking.
*APY = Annual Percentage Yield

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Payroll Plus Checking Account

*APY = Annual Percentage Yield. Fees may reduce earnings. Interest rate is variable and may change after the account is opened. Rate applies to balances between $0.01 and $100,000

To earn 4.04%, you must:

  1. Have at least $5,000 in direct deposit each month from payroll, social security, investment income, or other forms of monthly income.
  2. Have monthly debit card purchases posted to your account equaling a minimum of $500. Please note that ATM transactions do not count toward the debit card purchase requirement.
  3. Enroll and receive monthly eStatements. With eStatements, you must have a valid email address to enroll. $4 per month fee applies if not enrolled in eStatements and paper statements are sent through U.S. Mail.

Payroll Plus Rates effective as of June 1, 2024. Minimum opening deposit of $100.