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

Dr. Emlah Tubuo shares how intentional living, whole-person care, and mindset are reshaping pharmacy, leadership, and personal wellbeing.

Episode Summary

In this episode of the YFP Podcast, Tim Ulbrich, PharmD sits down with Dr. Emlah Tubuo to explore what intentional living looks like in real life and in modern pharmacy practice. Emlah shares how Powell Pharmacy has evolved beyond dispensing into whole-person care, including biomarker testing, hormone optimization, and integrated wellness services. They discuss resilience, mindset, and how pharmacists can reclaim purpose by meeting patients where they are, while also addressing burnout, fear, and the power of being fully present. Whether you are a pharmacist, entrepreneur, or someone seeking a more aligned and intentional life, this conversation offers both inspiration and practical insight.

What you'll learn in this episode:

• How intentional living can transform pharmacy practice and patient care
• Why whole-person care goes beyond prescriptions and lab values alone
• Practical ways pharmacists can integrate biomarkers, hormones, and wellness initiatives
• How mindset, presence, and resilience reduce burnout and improve impact
• What it means to redefine success through service, alignment, and purpose

Mentioned on the Show

• Powell Pharmacy
• Journeys Lab Testing for Pharmacists
• Pharmacist Fullscript Account Setup
• Lunch and Learn Supplement Knowledge
• Discuss Dietary Supplements With Confidence
• Intentional Living Newsletter
• Emlah Naturals
• Intentional Living Podcast
• Emlah Tubuo - LinkedIn
• Emlah Tubuo - Instagram

What if financial success isn't about saving more, but aligning money with the life you want today?

Episode Summary

After years of doing "everything right" financially, many pharmacists reach a surprising crossroads: retirement feels on track, but something still feels off. In this solo episode, Tim Ulbrich, PharmD reflects on a counterintuitive decision he has made over the past five years by intentionally not maxing out traditional retirement accounts, and the deeper question that choice surfaced: what are you optimizing for right now? This conversation explores the tension between financial efficiency and life alignment, the concept of "enough," and why financial planning in mid-career is less about winning spreadsheets and more about finding a way to live your rich life today while preparing for the future.

What you'll learn in this episode:

• Why "on track" financially doesn't always feel satisfying
• The difference between accumulating wealth and being truly retirement-ready
• The hidden risk of always optimizing your financial plan for a future state at the expense of today
• Why "enough" is a decision, not just a number