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Ready to buy your first home or refinance your home mortgage? Trying to find which bank will offer a Doctor's Mortgage loan? Dat and Aaron are excited to partner with these recommended and trusted mortgage lenders!

What is the Optometrist's Home Loan?

For years physicians and dentists have had access to “physician home loans” or “doctor mortgages”, which allowed qualifying doctors to exclude student loan debts, purchase high value homes with less than twenty percent down, and require less than two years’ history for self-employed and independent contractors.

But now, mortgage lenders can offer Similar underwriting guidelines and underwriting flexibility for the typical optometrist and several other high income professional designations.

Click here to read more: What is the Optometrist Home Loan? 

[Disclosure] Some of the links below are paid sponsors of this website. These recommended resources are heavily vetted and researched by Dat and Aaron. We are extremely selective on who we want as sponsors because your trust in us is so vital for ODsonFinance to succeed. If you have feedback or concerns, please don't hesitate to contact us. 

Doctor Home Loans & Mortgage Refinance/ Purchase

Fairway Mortgage

We’re passionate about helping Optometrists succeed! You have unique situations that can often stump conventional mortgage lenders. Our specialized programs are designed to get you into the home of your dreams. We deliver solutions, transparency & quick responses to your questions.

Mortgage Programs for Optometrists

  • 95% financing options up to $1M

  • 97% financing options up to $650K

  • Save thousands, no mortgage insurance!

  • Qualify with deferred or IBR student loans

  • Self-employed/1099 independent contractors can qualify with less than 2 years proven tax history

  • Able to close up to 90 days prior to start of employment contract

Location Requirements: Eligible in all States

Contact: Josh Mettle at for any questions 

Frandsen Bank &Trust

As a community bank, these are guidelines for our product but all of our guidelines are flexible.  This allows Frandsen Bank to look at each scenario individually and customize our offering to fit the needs of the Optometrist!

Mortgage Programs for Optometrists

  • $950,000 max loan amount

  • 5% minimum down payment (exceptions to 0%)

  • 700 minimum credit score

  • Deferred student loans excluded from debt

  • No PMI (private mortgage insurance) options

  • Financing available prior to starting new position

  • Primary home, 2nd home & investment property financing

Location Requirements: Minnesota,  Western Wisconsin, Eastern North Dakota 

Contact: Brandon Reinarts at for any questions 

Home Mortage Purchase & Refinance

Credible Mortgage Purchase

  • Your trusted online mortgage broker to compare multiple mortgage lenders in just 3 minutes without affecting your credit score.

  • Generate a pre-approval letter instantly.

  • Fewer documents for fast closing.

  • Unbiased loan experts when you need them.

  • Choose with confidence: Know you have a great rate by comparing top lenders in the US.

  • Complete your mortgage online with bank integrations and automatic updates. Talk to a loan officer only if you want to.

  • Hassle-free process: Upload documents in the comfort of your home or during your commute.

  • Our loan officers have over 30 years of experience working with homebuyers and are ready to meet all of your needs.

  • Closing will be a breeze because we’re integrated with banks and other services to collect documents.

  • Your information is safe with us so you won’t get unwanted calls from lenders.

Credible Mortgage Refinance

  • Actual rates from multiple lenders: In 3 minutes, get actual prequalified rates without impacting your credit score

  • Smart technology: We streamline the questions you need to answer and automate the document upload process.

  • End-to-end experience: Complete the entire origination process from rate comparison up to closing, all on Credible.

  • We take the stress out of refinancing by automating the document collection process, keeping you updated on the status of your application every step of the way.

  • More loan options across multiple lenders with fewer forms to fill out than most individual lenders.

  • Get actual rates and transparency into fees without sharing your information with lenders until you see an option you want to proceed with.

  • Need help? Our dedicated mortgage support team is not commissioned, so they're always on your side.

Think you might bring value to our OD members and want to be added to this list? Contact us Have more suggestions for this list?  Let us know!

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