In this episode of 'The Patient Physician,' we explore the intricacies of home buying for physicians with Tony Kruse from First Horizon Bank. Tony shares valuable insights from his 31 years in mortgage lending, offering practical advice for new physicians on making informed financial decisions when buying a home. The discussion addresses common challenges physicians face, including dealing with high student debt, navigating job transitions, and planning for future financial stability. The episode emphasizes the importance of early preparation and consulting with financial advisors to ensure a smooth home-buying process. MEET OUR GUEST: Tony Kruse is a Mortgage Loan Officer with First Horizon Bank in Dallas, TX who specializes in fixed rate and adjustable mortgages and refinancing home loans. Tony has worked in the financial services industry since 1995. Tony is passionate about getting physicians into the home of their dreams and working closely with Realtors to make the home buying process an enjoyable, hassle free experience for everyone involved. Email: [email protected] STAMPS:00:00 Introduction and Greetings00:51 Discussing Home Buying with Tony Cruz02:15 Tony Cruz's Background in Mortgage Lending06:30 Details of Physician Loan Programs12:16 Adjustable vs Fixed Rate Mortgages20:25 Regional Lending Limitations and Banking Crisis Impact23:26 Navigating Interest Rates and Depository Balances23:57 Changes in the Application Process24:27 Debt-to-Income Ratios and Housing Costs25:37 Texas Housing Market Trends28:03 Physician Loan Benefits and Rates31:24 Student Loans and Debt-to-Income Calculations34:02 Tips for Prospective Homebuyers35:52 Challenges and Solutions for Physician Loans38:10 Advice for New Physicians on Home Buying45:23 Concluding Thoughts and Final Advice
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