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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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Ease of communication and timely closing
Reply from Tony Umholtz
August 25th, 2026 03:16 PM
Thank you, Ruben, for your kind review. We are glad to hear the ease of communication and timely closing helped provide such a great experience for your home purchase. Please let us know how we can help you again when needed.
was easy process
Reply from Tony Umholtz
August 24th, 2026 03:45 PM
Thank you, Zishan, for your 5 star review. It was a pleasure working with you. We're glad to hear that the process was easy and if there's anything else we can assist with, please let us know.
Tony is the only person I call when needed mortgage or loan services.
Reply from Tony Umholtz
August 24th, 2026 03:48 PM
Thank you, Joshua, for your trust in our team. We are grateful to be your go to for mortgage services and are always here to help.
Responsive team
Reply from Tony Umholtz
August 6th, 2026 07:18 PM
Andrew, we're grateful for your feedback. It's rewarding to know that our efforts to be responsive during the process positively impacted your experience. If there's anything else we can assist with, please feel free to reach out to us. Enjoy...
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We were getting too many emails from very different people and we were getting lost
Reply from Tony Umholtz
July 28th, 2026 05:26 PM
Thank you for your feedback, Maria. Navigating a home purchase from overseas presents unique coordination challenges, especially when managing time zone gaps that limit real-time phone conversations. To protect your timelines, our team utilized...
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Your product offerings were very competitive and the communication process was excellent. But the shining star was Gail Daily and her team. Gail was very helpful and informative and pleasant to work with. It all came together to deliver an...
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Reply from Tony Umholtz
July 16th, 2026 07:58 PM
Thank you, Hal, for your kind words about your experience with our team and grateful to hear that Gail stood out and provided such helpful and informative service. It's wonderful to know that our product offerings and communication process...
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It was a seamless process and great communication. Never felt like an inconvenience.
Reply from Owner
July 10th, 2026 07:49 PM
Hanna Curry, thank you for reaching out to us! We are so happy to hear of your experience! Please don’t hesitate to reach out to us if you need assistance in the future. ^Bree
Communication was superb! Never felt like an inconvenienced anyone. Everything was smooth.
Reply from Tony Umholtz
July 14th, 2026 07:52 PM
Hanna, we appreciate your feedback! It's wonderful to know that you found the communication superb and the process smooth. Your experience is important to us, and we're glad it met your expectations. Enjoy your new home!
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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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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
Primary Serving Area
Other 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.