Tony Umholtz from First Horizon Bank returns to tackle the top 10 questions first-time home buyers often ask. This episode is brought to you by First Horizon. Summary Tony Umholtz from First Horizon Bank returns to tackle the top 10 questions first-time home buyers often ask. With over 20 years of experience in the mortgage industry, Tony covers essential topics like when it's better to buy versus rent, the various lending options available, hidden costs beyond the down payment, how student loans impact your mortgage application, and more. 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 Home Buying Resource Page  YFP Episode 380 - Understanding & Improving Your Credit Tony Umholtz First Horizon Tony Umholtz on LinkedIn Tony Umholtz on Instagram Tim Ulbrich on LinkedIn Subscribe to the YFP Newsletter YFP on Instagram YFP Facebook Group YFP Planning: Fee-Only Financial Planning for Pharmacists YFP Disclaimer