Civista Bank

Available States:

Our physician loan program offers zero down payment up to $1,000,000, 5% down up to $1,500,000, and 10% down up to $2,000,000. The physician loan program does not charge any PMI (mortgage insurance).

MD, DO, DDS, DMD, Resident, Fellows, DVM, DPM


  • We cover appraisal fee
  • Allows physician to use new employment contract as qualifying income up to 6 months before start date (longer start dates can be considered)
  • Construction draw loans
  • Allow renovation financing on existing homes
  • 2-4 units qualify for physician loan program
  • Vacation homes eligible for physician loan program.

All of the loan officers listed here specialize in working with doctors ONLY. They are battle tested, seasoned, and recommended by your peers.

Do you want Eric to contact you?

Eric Veronica (NMLS# 11111)
[email protected]

I’ve made it real easy. Drop your name and phone number in the form below and I’ll let
him know you’re looking for him.
By contacting you certify that you are a medical professional or the spouse of one.
Disclaimer: The postings on this site do not represent this banks positions, strategies or opinions.