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Ready to buy your first home or refinance your home mortgage? Dat and Aaron are excited to partner with these recommended and trusted mortgage lenders!

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.

Ready to get started? Click on the link below to get the help!

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. 

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

Click Here to get started

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 

Click Here to get started

Contact: Brandon Reinarts at for any questions 

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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