Buying a home can feel overwhelming, especially for pharmacists facing student loans, rising rents, and high interest rates. Tony Umholtz, mortgage loan officer at First Horizon, shares a realistic path to homeownership, even in today’s challenging real estate environment.

This episode is brought to you by First Horizon.

Episode Summary

Buying a home as a first-time buyer in today’s market can feel overwhelming, especially for pharmacists juggling student loans, high rents, and rising interest rates.

In this episode of the Your Financial Pharmacist Podcast, Tim Ulbrich is joined by Tony Umholtz, mortgage loan officer with First Horizon Bank, to share a realistic path to homeownership, even in today’s challenging real estate environment.

You’ll learn:

✅ How today’s lending environment impacts first-time buyers
✅ The role student loan repayment changes play in qualifying for a mortgage
✅ Strategies to make homeownership more attainable for pharmacists
✅ Why the door to buying a home may be more open than you think

Whether you’re planning to buy in the next few months or just starting to explore your options, this conversation will help you feel informed, empowered, and ready to take your next step toward owning a home.

About Today's Guest

Tony Umholtz is the Senior VP of Mortgage Banking at First Horizon. He graduated Cum Laude from the University of South Florida with a B.S. in Finance from the Muma College of Business. He then went on to complete his MBA. While at USF, Tony was part of the inaugural football team in 1997. He earned both Academic and AP All-American Honors during his collegiate career. After college, Tony had the opportunity to sign contracts with several NFL teams including the Tennessee Titans, New York Giants, and the New England Patriots.

Being active in the community is also important to Tony. He has served or serves as a board member for several charitable and non-profit organizations including board member for the Salvation Army, FCA Tampa Bay, and the USF National Alumni Association. Having orchestrated over $1.1 billion in lending volume during his career, Tony has consistently been ranked as one of the top mortgage loan officers in the industry by the Scotsman’s Guide, Mortgage Executive magazine, and Mortgage Originator magazine.

Mentioned on the Show

• YFP YouTube Channel
• YFP 416: Student Loan Changes: Key Takeaways from the Big Beautiful Bill
• Learn More About First Horizon’s Pharmacist Home Loan
• Your Financial Pharmacist

Cory & Cassie Jenks return 5 years after first sharing their Coast FI journey. Tim Ulbrich talks with them about career shifts, family life, and how they’re balancing financial freedom with living fully while raising three kids under six.

Episode Summary

In early 2020, pharmacists Cory and Cassie Jenks shared their inspiring journey toward Coast FI on Episode 134 of the YFP Podcast, explaining how they front-loaded their retirement savings to create more flexibility, time freedom, and intentional living.

Now, over five years later, they’re back for a “Where Are They Now?” update. A lot has changed - career transitions, family growth, and a deeper evolution of what financial independence looks like as life continues to shift.

In this conversation with YFP Co-Founder & CEO Tim Ulbrich, Cory and Cassie reflect on:

✅ Career and lifestyle shifts since hitting Coast FI
✅ What it means to intentionally “downshift” in pursuit of purpose
✅ Balancing saving for tomorrow with living fully today
✅ Navigating family life with three kids under six
✅ How their financial planning strategy has adapted over time

Whether you’re on your own FIRE journey, reevaluating your relationship with work, or just curious how other pharmacist families are redefining success, this episode is packed with honest reflection and practical inspiration.

Mentioned on the Show

• YFP YouTube Channel
• YFP Episode 134 featuring Cassie & Cory Jenks
• Die with Zero by Bill Perkins
• Happy Money by Ken Honda
• Your Financial Pharmacist

Tim Ulbrich, PharmD, breaks down student loan updates from the Big Beautiful Bill, including key changes, how we got here, and what it means for your repayment strategy.

Episode Summary

In this episode, YFP Co-Founder & CEO, Tim Ulbrich, PharmD breaks down recent student loan updates stemming from the newly passed Big Beautiful Bill. With so many repayment options, formulas, and acronyms flying around, it’s more confusing than ever for borrowers to make confident decisions.

Tim walks through:

✅ Key changes included in the Big Beautiful Bill
✅ How we got here and why this matters
✅ What these updates could mean for your personal repayment strategy

Since this topic can become complex quickly, Tim shares slides in the YouTube video. If you want to follow along visually, be sure to check out the full episode on YouTube.

Mentioned on the Show

• Studentaid.gov
• Watch This Episode on YouTube
• Your Financial Pharmacist