Mortgage companies use ratios to analyze your mortgage payment. The housing payment ratio (or front ratio) used in this calculation is 30%. The housing expense, or front ratio, compares your total mortgage payment to your monthly income. The total debt expense ratio (or back ratio) is 36%.This total debt expense, or back ratio, compares your total monthly obligations including your total mortgage payment to your monthly income.he housing payment ratio (or front ratio) used in this calculation is 30%. The housing expense, or front ratio, compares your total mortgage payment to your monthly income. The total debt expense ratio (or back ratio) is 36%.
An optometrist is an eye doctor who has earned the Doctor of Optometry (OD) degree. Optometrists examine eyes for both vision and health problems, and correct refractive errors by prescribing eyeglasses and contact lenses. Some optometrists also provide low vision care and vision therapy.
Explore Optometry. Home / Education / Admissions / Explore Optometry. A Doctor of Optometry (OD) is an independent, primary health care provider who examines the visual system, the eye and associated structures, as well as diagnoses, treats and manages related diseases and disorders. Optometry involves much more than prescribing and fitting glasses and contact lenses.