Optometrist Home Loan

Are you an optometrist dreaming of buying your own home? Look no further than the Optometrist Home Loan* – a financing option catered specifically to professionals like you. With unbeatable rates and customizable terms, this loan is the key to making your homeownership dreams a reality. Don’t wait any longer – take the first step today.

*Loans are subject to credit approval.

GET STARTED ONLINE

AVERAGE RESPONSE TIME <10 MINUTES

Tailored Financing for Your Dream Home

As an optometrist, you understand the importance of vision health. It’s time to shift your focus to your own dream home with the Optometrist Home Loan. This specialized financing option is designed to address your unique needs and circumstances.

With the Optometrist Home Loan, you’ll enjoy a range of benefits that make homeownership more accessible. This includes competitive interest rates and flexible repayment terms. As a tailored program for optometrists like you, you’ll receive the financial support you deserve.

Whether you’re a veteran optometrist looking for a new home or a recent graduate starting out, the Optometrist Home Loan can help you reach your goals. Don’t miss out on this opportunity to turn your vision of homeownership into a reality.

How to Qualify for An Optometrist Home Loan

Want to apply for an Optometrist Home Loan? Physician Bank has specific criteria to determine your eligibility. Check out these fundamental factors that can impact your chances of approval:

Secure your loan approval by showing your professional credentials and employment verification. We require a stable income and optometry experience. Start your journey to enhanced visual wellness now.
Your income level and debt-to-income ratio are key factors that we review to determine if you can repay a loan. We’ll look at your monthly debt payments compared to your gross monthly income. The lower your ratio, the better your chances of approval.
Make sure you have a good credit score. We evaluate your credit history to evaluate your repayment habits and assess risk, making it essential to keep a strong credit score and positive credit history to improve your chances of getting favorable loan terms.

Boost your chances of securing a loan with better terms by proving your fiscal prudence through saving for a down payment. While down payment requirements differ, a bigger down payment is typically advantageous in qualifying for loans and reducing the amount borrowed.
Maintaining consistent employment and stable income can greatly improve your chances of getting approved for a loan. We look for a strong employment history or proof of long-term contracts to assess your financial stability.
Looking for a way to improve your chances of qualifying for a loan? Start by managing your existing debts, including student loans, credit card balances, and outstanding loans. We’ll help you evaluate your debts and develop a plan to keep them within reasonable limits.

Ready to own your dream home as an optometrist? Our Optometrist Home Loan program can make it happen! Meet the qualifying criteria and consult with our experts to guide you through the process. Your hard work and success as an optometrist deserve a home that reflects your accomplishments. Start your journey today.

GET STARTED WITH An Optometrist Home LOAN

Secure financing for your dream home as an optometrist. Follow these easy steps to get started:

Organize your finances first: Before moving forward with your optometrist home loan, make sure you organize your financial information such as credit score, income statements, and any existing debts or loans. Don’t let poor financial organization prevent you from securing the home of your dreams.
Research different Optometrist home loan options: Find the perfect loan by comparing multiple options. Take a close look at interest rates, repayment terms, and fees to ensure it aligns with your needs.
Contact us: Reach out to us once you’ve got a clear idea of what you need and we’ll guide you through the application process. Don’t forget to bring all the financial information you’ve gathered in step 1!

Complete the application: Get the loan you deserve by filling out our application with accurate and complete information. We need this to determine your eligibility and ensure a smooth approval process.
Wait for approval: We’ll carefully evaluate your application to deliver a decision. Depending on the volume of applications, the entire process can last anywhere from a few days to a few weeks.
Receive your funds: When approved for the loan you will receive your funds. Ensure responsible use and timely payments to keep your credit score in good standing.

More Than Optometrist Home Loans

Get more bang for your buck with our Optometrist home loans and high-interest checking and savings accounts. Our competitive interest rates and low fees make it easy to save more money. Plus, our health savings account (HSA) helps you save money on your medical expenses. You can contribute pre-tax dollars to your account and use the funds for qualifying medical expenses tax-free. Keep your finances in top shape with our comprehensive banking options!

Choose one or all of our financial products to help you achieve your financial goals. Contact us today to learn more about our offerings.

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.

Secure Your Savings: Benefit from High-Yield Interest and Flexible Options up to $7 Million, Fully FDIC Insured!

HEALTH SAVINGS ACCOUNT

Convenient health funds.

Save for your medical expenses with our interest-bearing account available for eligible optometrists – perfect for both current and future qualified medical expenses and can be used alongside high-deductible health insurance plans.

140 North Phillips Avenue #101A, Sioux Falls

4.8 79 reviews

Siavosh Tarighi ★★★★★ 3 weeks 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.
Katie Moore ★★★★★ 2 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 ★★★★★ 2 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 ★★★★★ 2 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 ★★★★★ 5 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 ★★★★★ 2 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 ★★★★★ 7 months 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 ★★★★★ 5 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 ★★★★★ 5 months 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 ★★★★★ 3 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
Cristina Toledo-Cornell ★★★★★ a year 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!
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!
Jonathan Wolf ★★★★★ a year ago
Jean at Physicians Bank was amazing. She got my wife and I in our forever home and helped us navigate the loan process. She made herself available to answer all our questions and helped make the lending process as stress free as possible. … More A true pleasure to work with and will be recommending her to others.