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Meet Brandon Reinarts

Physician Mortgage Specialist – Frandsen Bank & Trust
NMLS #769600
Based in Minnesota and Wisconsin
Serving States:
  • MN
  • WI
Direct: (507)-353-7427
Email: breinarts@frandsenbank.com
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Physician Mortgage Snapshot

  • 0%-10% down options up to $2 million
  • 720 minimum credit score
  • No employment start date restrictions
  • Student loans excluded from debt ratios
  • ARM loans to 15/3
  • No mortgage insurance

Program Details

  • No prepayment penalties
  • All terms flexible and customizable with exception approval

Eligible Professions

  • MD, DO, DDS, DMD
  • PA, NP, DVM, CRNA
  • OD, DPM, Pharmacists

Prefer Brandon to Contact You?

Drop your name and phone number and I’ll have Brandon reach out to you!
DoctorLoanPrograms.com is a national physician mortgage directory helping doctors compare approved physician loan officers across the United States.

Frandsen Bank & Trust

Available in the following states: MN, WI

DOCTOR PROGRAM FEATURES:

Professions: MD, DO, DDS, DMD, PA, NP, DVM, CRNA, OD, DPM, Pharmacist

  • 0%-10% down options up to $2 million
  • 720 minimum credit score, No employment start date restrictions
  • Student loans excluded from debt ratios
  • ARM loans to 15/3
  • No mortgage insurance
  • No prepayment penalties
  • All terms flexible and customizable with exception approval

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

Brandon Reinarts (NMLS #769600)
507-353-7427
breinarts@frandsenbank.com

Do you want Brandon to contact you?

Please find the Digital Business Card here.
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Disclaimer: The postings on this site do not represent this banks positions, strategies or opinions.
This is not a commitment to lend. All loans are subject to credit review and approval. Member FDIC | Equal Housing Lender.
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Frandsen Bank & Trust Physician Mortgage Loan Officer

Brandon Reinarts with Frandsen Bank & Trust offers a physician mortgage program tailored specifically for medical professionals. It is designed for doctors, residents, and fellows purchasing a primary residence in Minnesota and Wisconsin. The program features low or no down payment options, flexible student loan treatment, and no private mortgage insurance (PMI).

FAQs

What credit score is required for a physician mortgage with Frandsen Bank & Trust?
Frandsen Bank & Trust generally requires a strong credit profile, typically around 700 or higher, though final approval depends on your full financial picture and employment contract.
Does Frandsen Bank & Trust count student loans in debt-to-income calculations?
Yes, student loans are included in debt-to-income (DTI) ratios. Physician mortgage underwriting may use more flexible guidelines for student loan debt than conventional loans to help doctors with high educational debt qualify.
Can residents qualify for a physician loan before starting their job?
Yes. Residents, fellows, and new physicians with a signed employment contract can typically qualify and close on a home before their official start date.
What is the maximum loan amount available through this physician program?
Loan limits vary based on borrower qualifications and program guidelines, but the physician mortgage program offers competitive financing with low or no down payment options up to significant loan amounts.
Is private mortgage insurance (PMI) required?
No. Frandsen Bank & Trust’s physician mortgage program does not require private mortgage insurance (PMI), even with low or minimal down payments.
How much down payment is required for doctors?
Down payment requirements depend on the loan amount and borrower profile. Many physician borrowers may qualify with low or no down payment on eligible loan tiers; larger loan amounts may require a modest down payment.
Are signing bonuses counted as income?
Signing bonuses and guaranteed future income may be considered qualifying income when documented in your employment contract and accepted by underwriting.
Which states does Frandsen Bank & Trust offer physician loans in?
Frandsen Bank & Trust’s physician mortgage program is available in Minnesota (MN) and Wisconsin (WI).
How does this program compare to other physician mortgage lenders?
Frandsen Bank & Trust offers competitive low or no down payment options, flexible student loan treatment, and no PMI, positioning it as a strong regional option compared to many physician mortgage lenders.
Can I use this loan for a condo or multi-unit property?
Yes. Physician mortgages through Frandsen Bank & Trust can typically be used for primary residences including eligible condos. Multi-unit eligibility depends on occupancy and underwriting guidelines.

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About this Site

Part of the Physician Focused™ Network

Doctor Loan Programs™ is a division of Physician Focused™, a nationwide advisory platform serving physicians and healthcare institutions.

Across the Physician Focused™ network, the focus remains consistent:

  • Education first
  • No pressure
  • Long-term decision support

Loan officer participation supports that mission by contributing to a trusted, hospital-safe resource.

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Loan officers interested in participating in Doctor Loan Programs™ may request additional information regarding listing availability and participation standards.

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• A division of Physician Focused™ • Education first • No sales pressure
The Doctor Mortgage Loan Program is designed to help qualified Physicians and Dentists acquire a residential mortgage loan from participating lenders.
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