The Patient Physician15 Okt 2025

A Home Buyer's Guide for Doctors

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: tony.kruse@firsthorizon.com

TIME STAMPS:

00:00 Introduction and Greetings

00:51 Discussing Home Buying with Tony Cruz

02:15 Tony Cruz's Background in Mortgage Lending

06:30 Details of Physician Loan Programs

12:16 Adjustable vs Fixed Rate Mortgages

20:25 Regional Lending Limitations and Banking Crisis Impact

23:26 Navigating Interest Rates and Depository Balances

23:57 Changes in the Application Process

24:27 Debt-to-Income Ratios and Housing Costs

25:37 Texas Housing Market Trends

28:03 Physician Loan Benefits and Rates

31:24 Student Loans and Debt-to-Income Calculations

34:02 Tips for Prospective Homebuyers

35:52 Challenges and Solutions for Physician Loans

38:10 Advice for New Physicians on Home Buying

45:23 Concluding Thoughts and Final Advice

Please email questions or show ideas to info@physiciansrs.com.

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