YFP 434: Home Buying in 2026: What Pharmacists Need to Know

Buying a home in 2026? Learn loan options, rate trends, and a new zero-down opportunity for pharmacists with mortgage expert Tony Umholtz.

Episode Summary

In this episode, Tim Ulbrich, PharmD welcomes back Tony Umholtz, Senior VP of Mortgage Banking at First Horizon, to break down what pharmacists and healthcare professionals need to know about buying a home in 2026. From navigating a volatile interest rate environment to understanding loan options, credit considerations, and down payment strategies, this conversation provides a practical roadmap for both first-time buyers and experienced homeowners. Tony also introduces a powerful new medical professional loan that could significantly change what's possible for pharmacists looking to purchase a home.

What you'll learn in this episode:

• How interest rates and housing inventory are shaping the 2026 homebuying market
• Key differences between conventional, FHA, VA, and specialized loan options
• Common credit and debt-to-income mistakes that can impact your approval
• How to think about fixed vs. adjustable-rate mortgages in today's environment
• How the new medical professional loan can help pharmacists buy with little or no money down

Mentioned on the Show

• Tony Umholtz from First Horizon (website): https://firsthorizon.com/tony-umholtz
• Tony Umholtz from First Horizon (email): [email protected]
• Tony Umholtz from First Horizon (phone): 813-603-4255
• YFP Gives: https://yfpgives.org/