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Tony Umholtz
MORTGAGE MARKET MGR

My name is Tony Umholtz and I have been working in the mortgage industry since 2002. I am committed to making your mortgage experience the best it can be with innovative, convenient services and helpful, knowledgeable people. My team and ...... Show More
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Tony and his team were responsive, helpful, and an overall joy to work with. They helped me choose the right mortgage product for me and helped me find the right budget as well. They also made the application and closing process incredibly...
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Reply from Owner
July 24th, 2024 04:00 PM
Thank you for taking the time to share your positive experience, Austin. It's great to hear that we were able to assist you effectively in choosing the right mortgage product and budget. We strive to make our processes as straightforward and...
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I appreciated everyone’s responsiveness at the office (with Tony and Gail even answering me on their vacations) and the ease of the document submission process. There seemed to be a slight hiccup with the home insurance submission (it kept...
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Reply from Tony Umholtz
May 13th, 2024 07:23 PM
Thank you for your feedback, especially regarding the document submission process. We're sorry to hear about the hiccup you experienced with the home insurance submission. We'll ensure this feedback is passed along to the appropriate department...
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Tony Umholtz, and his team were great to work with every step of the process. Bravo to all of them! And thank you to all of them!!
Reply from Tony Umholtz
June 5th, 2026 09:20 PM
Thank you, William, for your kind words about the great experience working with our team. Your appreciation is truly valued. We are here for you if there is anything else we can help you with. Enjoy your home!
Excellent response times. Made home buying easy. Previous lender was making life difficult so switched to first horizon bank with Tony and it immediately made the process enjoyable.
Reply from Tony Umholtz
June 5th, 2026 09:18 PM
We're glad to hear that our team made your home buying process enjoyable. It's wonderful to know that our response times eased the transition from your previous lender. If you need any further assistance, please feel free to reach out to us....
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Tony Umholtz has received a review with 5 star rating from Hayden B
Reply from Owner
June 2nd, 2026 02:56 PM
Hayden Blalock, thank you for reaching out to us. We are so glad to hear of your experience. Please don't hesitate to reach out to us if you have any questions or concerns. ^Allie
Terra, Cindy, and Cosette were all fantastic to work with! They communicated proactively from pre approval through closing. I would recommend that anyone use Tony's team, especially for a physicians loan.
Reply from Tony Umholtz
June 5th, 2026 09:17 PM
Thank you, Michael, for your kind words about Terra, Cindy, and Cosette. We're pleased to hear that their proactive communication made your experience from pre-approval to closing seamless. We appreciate your endorsement of our team and our...
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You worked extremely hard to get this loan closed quickly! Communication was excellent, and closing costs were significantly cheaper. They were lower then rocket mortgage after we put down and additional 1.5% as well
Reply from Tony Umholtz
June 5th, 2026 09:15 PM
Thank you, Daniel, for sharing your positive experience with us. We're glad to hear that our team's hard work and effective communication contributed to a smooth and cost-effective loan closing. It's wonderful to know that we could offer competitive...
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Tony Umholtz has received a review with 5 star rating from Jordan Y
Reply from Owner
May 26th, 2026 01:20 PM
Jordan, Thank you for reaching out to us! We appreciate the feedback of your experience. Please don't hesitate to reach out to us if you have questions or concerns. Thank you for banking with First Horizon! ^Ken
Aaron Laplede was a great communicator and was available to discuss with us even with our very tight and busy schedules. He never made us feel like a bother and answered our questions with ease. His congenial and winsome personality also was...
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Reply from Owner
May 26th, 2026 12:56 PM
Kyra, Thank you for reaching out to us! We are so glad to hear of your experience. Please don't hesitate to reach out to us if you have questions or concerns. Thank you for banking with First Horizon! ^Ken
Aaron Laplede was a grear communicator and was available to discuss with us even with oir very tight and busy schedules. He never made us feellike a bother and answered our questions with ease. He's congenial amd winsome personality also was...
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Reply from Tony Umholtz
June 5th, 2026 09:15 PM
Thank you, Kyra, for sharing your experience with us. We're grateful to know that Aaron's communication and accommodating nature contributed positively to your experience. Please feel free to reach out if you need any further assistance.
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About
My name is Tony Umholtz and I have been working in the mortgage industry since 2002. I am committed to making your mortgage experience the best it can be with innovative, convenient services and helpful, knowledgeable people. My team and I offer many loan solutions including conventional, VA, FHA. We have low and no down payment options for medical professionals including doctors, pharmacists, dentists, and other health care workers. We also offer construction to permanent lending, and jumbo loans. Weather you are purchasing your first home, or your dream home we have the experience to help every step of the way. Call us today!
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Down Payment Assistance
Conventional Home Loan
Medical Professional Mortgages
DSCR Loans
Self-Employed Mortgages
Cash-Out Refinances
Bank Statement Mortgages
Specialities
Residential Mortgage Programs
Doctor Loans
FHA, VA, Conventional and Portfolio Loans
Single Family and Multi Family up to 4 units
Specialty loans for many occupations including Attorney, CPA, MDs, DOs, Dentist, Optometrists, Pharmacists, Veterinarians, Residents, Fellows, First Responder, Medical/Health Care Workers
First Time Homebuyer
Down Payment Assistance loans
Condo, Townhomes and Single Family properties
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Search Rank ScoreLearn More →
762
/850
Search Rank Score
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Memberships
- University of South Florida Foundation Board Member
- Salvation Army Board of Directors
- Tampa Bay Builders Association
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Addresses and Serving Areas
Year Started
2002
Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS# 472329
- Licensed in 48 states (excluding HI and AK)
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Achievements
- First Horizon Elite Circle for Top Mortgage Production
- Scotsman Guide Top Originator
Hobbies
- Sports
- Spending time with family
- Travel
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Disclaimer
Banking Products and Services provided by First Horizon Bank. Member FDIC. Equal Housing Lender.

