09/11/2026
A New Guide: Mortgage 101 for Doctors
From OSMA partner:
Most homebuying advice assumes a borrower with a steady salary history, a modest debt load, and a clean debt-to-income ratio. That does not describe many physicians.
We recently updated our free guide that starts from where physicians actually are.
Access it free here:
» Guide: Mortgage 101 for Doctors | Panacea Financial
What's inside:
- How mortgage rates are set, and what a borrower can do to improve theirs.
- The different mortgage types and when each one makes sense, including doctor-specific mortgage programs.
- How to calculate a debt-to-income ratio and what lenders do with it.
- How down payment requirements change by loan type, and the real tradeoffs of putting more down.
- How prequalification works and why it changes an offer's odds.
- A list of 10 questions to ask a lender before securing a mortgage.
It's written for every stage (students building a foundation, residents and fellows preparing to buy, and practicing doctors ready to make an offer), so it's useful to your whole membership, not just the ones actively house-hunting. It was co-authored by Michael Jerkins, MD, a practicing physician and Panacea's Co-Founder, and Daryl McCarthy, a loan officer with 25+ years in mortgage lending.