Doctor Mortgage

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. Check out these trusted resources! 

Primary Purchase | Refinance | Investment Properties 

Lee Raykovicz, an Optometrist and licensed Mortgage Loan Officer at GoRascal, is committed to assisting clients in securing mortgages that align with their unique financial needs and goals. With a focus on transparency, reliability, and personalized service, Lee and his team guide clients through the mortgage process, whether they are first-time homebuyers, investors, or existing property owners seeking to refinance. Offering a variety of loan products, Lee's mission is to empower clients with knowledge and resources, fostering long-term relationships and helping turn homeownership aspirations into reality.

ODs On Finance Mortgage Financing 

GoRascal is a low margin mortgage broker.  What are the advantages of a mortgage broker compared to a retail or direct mortgage lender (banks/credit unions)?   

  • ✅ Access to multiple lenders.  I have the ability to shop your loan to 60+ lenders ensuring the best pricing.  This not only saves you money but time as well!  
  • ✅ Loan Options and Variety.  Brokers can present borrowers with different loan options best suited to their needs (conventional, FHA, VA, no PMI options, low down payment options, bank statement loans, DSCR (investment) loans, “non- QM” loans.  
  • ✅ Convenience and Efficiency.  Brokers can streamline the mortgage process by handling much of the paperwork and communication between  you and the lender. This can enhance efficiency and reduce stress associated with the home loan process.
  • ✅ Potential Cost Savings.  While brokers charge a fee for their services, it typically ends up being much less than a retail lender and oftentimes paid by the lender.  Also, with access to wholesale market pricing and lower overhead compared to a retail lender, mortgage brokers can be a great resource. 

I am able to help any OD’s navigate through the home buying process but am not limited to only OD’s. Feel free to share my information to other colleagues, employees, office staff, friends and family.  I have programs suited for everyone! 

Location Requirements: AL, AZ, CA, CO,CT,DE, DC, FL, GA,  IL, IA, IN, KS, KY, ME, MD, MA,MI, MS, NH, NJ, NY,NC, OH, PA, RI, SC, TN, TX,VT,VA,WA


📧 Contact: Lee Raykovicz | | Call/Text: 704-900-4584


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