Specialized Financing for Medical Professionals

Competitive mortgage options tailored for physicians and medical professionals, featuring flexible debt calculations and zero mortgage insurance.

What Is a Doctor Loan?

A Doctor Loan is a specialized mortgage designed specifically to meet the unique financial needs of medical professionals, residents, and attending physicians.



Because medical training often results in significant student debt, this program offers more forgiving underwriting guidelines. It allows doctors to secure premium financing with low down payments and absolutely no mortgage insurance, while intelligently handling deferred student loan debt to maximize purchasing power.

Who This Loan Is Best For

Qualification Overview

Approval is based on factors such as:

Verification of an eligible medical degree and employment status

Meeting the minimum 620 credit score requirement

Property type and occupancy



Our team reviews your full financial picture



Key Highlights


Why Work With Cody Financial

We understand the complex financial trajectories of medical professionals and help you leverage the Doctor Loan to ensure it aligns with your long-term goals. From application through closing, we focus on clear communication and consistent updates.

Ready to explore your Doctor Loan options?

Loan programs, rates, terms, and qualification requirements are subject to change and borrower approval.