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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This Patient Physician podcast features Dr. Trevor Cabrera, known as 'The Nomadic Pediatrician.' Dr. Cabrera shares his unique journey from medical school to becoming a locum tenens physician, eventually pursuing a neonatal-perinatal medicine fellowship. Touching on themes of culinary medicine, honing communication, taking gap years, and the value of experiencing discomfort for personal growth, Dr. Cabrera provides a fresh perspective on finding depth through travel and cultural exploration. We also explore how Trevor paid off $350k+ in student loans in three years to achieve financial freedom and medical autonomy. Don't miss this enriching conversation filled with wisdom, storytelling, and practical advice for young physicians contemplating their career paths.

MEET OUR GUEST: Dr. Trevor Cabrera - The Nomadic Pediatrician

Born and raised in Roseville, California, he earned his Bachelor of Science degree (with a Minor in Health Care and Social Issues) from the University of California, San Diego. Driven by a love for languages and global exploration, he moved to Florence, Italy after college to earn his Certification in Teaching English as a Foreign Language.

Trevor attended Tulane University School of Medicine in New Orleans, where he earned his MD and cultivated a strong interest in Culinary Medicine—an emerging field focused on using food and nutrition as tools for improving health. He went on to complete his residency in General Pediatrics at the University of Texas Health Science Center at Houston, where he was drawn to the high-stakes, emotionally complex environments of Pediatric Oncology, the Pediatric ICU, Emergency Medicine, and Neonatology.

Unsure of which subspecialty to pursue, and eager to grow both personally and professionally, Trevor chose to work as a full-time Locum Tenens physician—a traveling doctor who steps into temporary roles across a variety of healthcare settings. This lifestyle allowed him to deepen his medical skills while exploring diverse approaches to pediatric care across the U.S.

In 2023, Trevor returned to formal training to pursue a Neonatal-Perinatal Medicine Fellowship, reaffirming his commitment to one of the most critical and rewarding fields within pediatrics. Through his ongoing journey, he shares insights and experiences on his blog as The Nomadic Pediatrician, blending storytelling, clinical wisdom, and a global perspective on modern medicine.

TIME STAMPS:

00:00 Welcome to The Patient Physician

00:34 Introducing Dr. Trevor Cabrera

01:07 Dr. Cabrera's Background and Education

01:39 Journey into Medicine and Culinary Medicine

02:35 Experiences in Medical School and Residency

03:19 The Nomadic Pediatrician and Personal Insights

04:35 Inspiration and Family Influence

08:51 Medical Training and Specializations

18:44 Culinary Medicine and Its Impact

30:33 Freedom in Medicine and Avoiding Burnout

36:11 Choosing Neonatology: A Personal Journey

36:48 Breaking Free from the Matrix: A New Perspective

37:22 Navigating the Challenges of COVID-19

39:02 The Struggles and Triumphs of Locum Tenens

42:27 Finding Inspiration in Shawshank Redemption

43:55 The Importance of Storytelling in Medicine

55:07 The Journey to Financial Freedom

58:40 The Decision to Pursue Fellowship

01:03:22 The Role of Communication in Neonatology

01:03:51 Advice for Young Physicians

01:07:31 The Meaning of The Patient Physician

01:10:01 Final Thoughts and Farewell

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

Connect with Us on Social:

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In this episode of 'The Patient Physician,' meet Dr. Rob Wolf, a distinguished neuroradiologist, author, and Jewish historian. As a third-generation Hungarian doctor, Rob reflects on the challenges and rewards of a medical career while underscoring themes of resilience, redemption, and fighting antisemitism. In Not a Real Enemy: The True Story of a Hungarian Jewish Man’s Fight for Freedom, Dr. Wolf tells the story of his grandparents and his father, Ervin Wolf. This discussion explores his parents' escape from Nazi persecution and life in communist Hungary, Dr. Wolf's extensive medical career, and his motivations for writing the book. If you're feeling burnout get inspired to share your story, pursue creative outlets, and value your time and community.

MEET OUR GUEST: DR. ROBERT J. WOLF

ROBERT WOLF, M.D. is a neuroradiologist who attended the University of Michigan Medical School and completed his training at Brown and Yale Universities. He grew up in a suburb of Detroit as the only child of Ervin and Judit Wolf. Their stories of escape from communist Hungary, and his father’s tragic history of escaping the Nazis twice but losing his own parents, inspired Robert to document his parents’ tales and share those stories with Jewish groups, history aficionados, and biography lovers throughout the United States, Europe, and elsewhere. In Not a Real Enemy Robert shares his family saga—and the forgotten history of the nearly half million Hungarian Jews who were deported and killed during the Holocaust—through an epic and inspiring tale of daring escapes, terrifying oppression, tragedy, and triumph.

Connect with Dr. Rob:

• Email Robert@RobertJWolfMD.com
• LinkedIn at RobertJWolfMD
• Twitter @RobertJWolfMD
• Instagram https://www.instagram.com/robertjwolfmd/
• Book: Not a Real Enemy (available wherever books are sold)

TIME STAMPS:

00:00 Introduction to The Patient Physician

00:47 Meet Dr. Robert J. Wolf

02:37 Dr. Wolf's Medical Journey

04:55 Burnout and Transition

10:13 Family Influence and Early Life

17:31 The Writing of 'Not a Real Enemy'

24:47 The Escape and Its Aftermath

26:15 Parental Influence and Identity

28:02 Holocaust Reflections and Burnout

30:38 Public Reactions

32:24 Legacy and Family Pride

34:48 The Importance of History

37:00 Creative Outlets for Physicians

42:29 Holocaust Stories and Forced Labor Camps

46:43 The Patient Physician Perspective

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

Connect with Us on Social:

• FACEBOOK
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• YOUTUBE
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