veterinarian home loans

tailored mortgage solutions for veterinarians

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.

Answer a few questions to contact one of our experts and learn more.

*Loans are subject to credit approval.

Why Choose Veterinary Loans from Physician Bank?

Veterinary professionals have unique financial needs, from managing student debt to dealing with
income fluctuations. Our loans offer:

Specialized loans for veterinarians with tailored terms: We offer loan terms specifically designed to meet the financial realities of veterinary professionals.
Custom financial solutions designed for veterinary professionals: Our loans are structured to provide the flexibility and support you need to achieve your financial goals

We provide competitive rates and flexible terms, ensuring you get the support you need to manage
your finances effectively.

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AVERAGE RESPONSE TIME <10 MINUTES

How to Qualify for A Veterinary home 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 50% 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.

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.

GET STARTED WITH A Veterinary home 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 Home 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.

Veterinarian Home Loan FAQ

What is a veterinary loan?

A veterinary loan is a specialized loan designed to meet the
unique financial needs of veterinary professionals. These loans often feature tailored terms,
competitive rates, and flexible repayment options.

Can I use a veterinary mortgage to buy my first home?

Yes, veterinary mortgages are
designed to help veterinarians purchase their first home, with benefits such as reduced down
payments and customized interest rates.

Are there special loans for recent veterinary graduates?

Yes, we offer loan options
specifically for recent veterinary graduates, taking into account their unique financial
situations, including student debt and income fluctuations

What are the benefits of loans tailored for veterinarians?

Loans tailored for veterinarians
offer competitive rates, flexible repayment plans, and reduced down payments, all designed
to accommodate the unique financial challenges faced by veterinary professionals.

140 North Phillips Avenue #101A, Sioux Falls

4.7 96 reviews

Tj Rajchel ★★★★★ a month ago
Julie was beyond amazing to work with. She spent well over 12 months as I went from house to house trying to make a purchase and each time, Julie was more than ready to assist with anything whether that be a preapproval letter or questions … More about financing. I cant say enough good things about my experiences with her and how simplified the mortgage process was! If I need to refinance I know I'm in good hands with Julie! Thank you again!
Abby Bennett ★★★★★ 4 months ago
Incredibly responsive and helpful when pursuing a home loan. I would highly recommend Julie. She communicates in whichever avenue is easiest for you (email, phone, etc) and answers questions in as much or little detail as is needed. She … More also has competitive rates which kept me from needing to shop around too much for another lender!
J. Eric Fischer ★★★★★ 5 months ago
I have been working with Kara regarding what I may qualify for. She has given me a wealth of information and a strategy for my next steps in the process. I spoke with several other lenders before working with Kara and no one was willing … More to give me the time of day because I was not planning on buying for 6-12 months. Also, she is able to lend in all 50 states. This makes it really easy for me to look at relocating to another part of the country and being able to coordinate that with the purchase of a new home. I would highly recommend working with Kara. She’s been in the business for over 20 years and knows what she is talking about and helps create a great financial strategy for being prepared to make a purchase.
Tyler Roicki ★★★★★ 3 months ago
This was my wife & I's second time working with Matt Velline in the past year and a half on a home purchase, using a Physicians Loan. The loan & closing process was absolutely seamless each time.
Not only did we close on time … More which was very important to us, but funding happened as quickly as any I've ever seen (I'm a real estate agent, so I've seen a lot of different situations).
We're super happy with Matt & his team. I look forward to working with him again in the future & would highly recommend!
Siavosh Tarighi ★★★★★ 7 months ago
Exceptional Mortgage Lending Service – A Seamless Refinancing Experience
I had the pleasure of working with Julie and her outstanding team during my recent mortgage refinancing, and I am thoroughly impressed by the level of service I received. … More From the very start of the process, Julie demonstrated exceptional professionalism, expertise, and commitment. Her team worked tirelessly around the clock, maintaining clear communication and providing timely updates at every stage. Their attention to detail and thorough approach ensured that the refinancing process was not only smooth but efficient and stress-free.
Having secured multiple mortgage loans in the past, I can confidently say that this experience stands out as the most seamless and well-executed. Julie and her team's dedication to excellence, coupled with their ability to navigate the complexities of the refinancing process, is truly unmatched in the industry. Their focus on client satisfaction and ensuring that all of my questions and concerns were addressed in real-time made a significant difference.
I wholeheartedly recommend Julie and her team for anyone seeking mortgage services. Their commitment to delivering a top-tier customer experience, alongside their strong work ethic and ability to meet deadlines, sets them apart in the lending space. Without a doubt, Julie has raised the bar, and I look forward to working with her again in the future.
Marge Haworth ★★★★★ 3 months ago
Julie is a Realtors dream to work with. Responsive and prompt. She actually closed our transaction almost 2 weeks early, capturing the best rates for our comman clients. 5 stars all day long!
Sydney Rice ★★★★★ 4 months ago
Great experience! For something that is traditionally very stressful, Julie Velline and her team made our home-buying process smooth, quick and painless. We received our pre-approval in record time and throughout the remainder of the lending … More process, she was in constant contact and would respond to questions quickly. Highly recommend Julie for your next mortgage/refinance!
Erin Brandsgard ★★★★★ a month ago
Jeremy was incredibly helpful, resourceful, kind, and always available in our process of buying our first house. He made it so easy for us and helped us through every step of the way!
Katie Moore ★★★★★ 9 months 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!
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 🙂
Randy Cox ★★★★★ 9 months 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
Dr. CRP ★★★★★ 8 months 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 ★★★★★ 11 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 ★★★★★ 9 months 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 ★★★★★ a year 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 ★★★★★ 11 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 ★★★★★ a year 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 ★★★★★ 9 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
Kirbi Sullivan ★★★★★ 2 years ago
Matt was the best! Wonderful to work with and made the process so easy. Very responsive and easy to get ahold of 24/7. Great option for first time home buyers and young physicians in residency. My husband looked at several options for mortgages … More and the Physician Bank team was by far the best. Juanita was also wonderful and very helpful! Will definitely be recommending to other physicians looking to buy.
Cristina Toledo-Cornell ★★★★★ 2 years 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!
Tony Captain ★★★★★ a year ago
Matt velline was an amazing mortgage loan originator. This was undoubtedly the most flawless and efficient process I have ever been involved in to obtain home mortgage loan. Rather the Spanish inquisition, I encountered a consummate professional … More who embodied sincerety and kindness. He was informative every step along the way and made the experience pleasant and tranquil. Matt made the process seem easy and comfortable. So, indeed wonderful loan mortgage originator that was the most superb!!!! Thank you physician bank for being the best ever in my book!!!! Also, Julie and Juanita were an intricate part of the process and great assets to the team!!! Kudos to all!!!!
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!