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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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Reviews from Web
Team at First Horizon was amazing . Cindy and Gail took time to go through everything with me. They made this long process so easy and efficient. They were very professional and knowledgeable. I felt at ease and comfortable through the process....
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Reply from Tony Umholtz
May 5th, 2025 11:18 AM
We are thrilled to hear about your positive experience with the team. We appreciate your recommendation and are glad you felt at ease and comfortable throughout. Thank you for sharing your experience.
Gail Daily is phenomenal
Reply from Tony Umholtz
May 5th, 2025 11:17 AM
We appreciate your feedback, Justin. It's great to hear that we left a positive impression. If there's anything more we can do for you at First Horizon Bank, please let us know.
I recently had the pleasure of working with Tony Umholtz, and Gail Daily at Firsto Horizon to close on my new home, and I couldn’t be more satisfied with the experience. From the very beginning, they were approachable and easy to communicate...
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Reply from Owner
May 5th, 2025 11:16 AM
Thank you for sharing your experience. It is wonderful to know that our dedication and professionalism made your home closing process smooth and efficient. Your recommendation means a lot to us, and we are grateful for your kind words. Thank...
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The team at First Horizon were hard working, their deep knowledge and expertise were evident throughout made me know I w a in good hands throughout the process. Everyone I worked with in First Horizon were approachable, and easy to communicate...
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Reply from Tony Umholtz
May 5th, 2025 11:16 AM
Thank you for sharing your experience. It is wonderful to know that our dedication and professionalism made your home closing process smooth and efficient. Your recommendation means a lot to us, and we are grateful for your kind words. Thank...
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We were kept well informed through the entire process. Start to finish went smoothly and quickly.
Reply from Tony Umholtz
May 5th, 2025 11:19 AM
We are glad to hear that the process was smooth and efficient for you. Our team strives to keep clients informed every step of the way. Your 5 star review is much appreciated and we look forward to working with you in the future.
Gail and Cindy were very professional and knowledgeable. They took time almost daily to follow up with me. They made this very long process seem so short and smooth. They followed up quickly whenever I had questions. Overall I would recommend...
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Reply from Owner
April 22nd, 2025 12:10 PM
We are delighted to hear that your experience with our team was smooth and we provided you with professional and knowledgeable service through consistent follow-ups. Your recommendation means a lot to us, and we look forward to assisting you...
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Can't recommend enough! Gail and Cindy were wonderful to work with!
Reply from Owner
April 9th, 2025 12:12 PM
We are thrilled to hear about your positive experience with our team. Thank you for your 5 star review
Gail and Cindy were wonderful to work with! Gail helped us decide what type of approach was best for us and from there they both explained things so well and made sure we were staying on track for the desired closing date.
Reply from Tony Umholtz
April 9th, 2025 12:12 PM
We are thrilled to hear about your positive experience with our team. Our dedication to providing clear guidance and ensuring a smooth process is something we take pride in. Thank you for sharing your feedback, and we are pleased everything...
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Tony and his team made this process very simple. They were an absolute pleasure to work with.
Reply from Tony Umholtz
April 9th, 2025 12:14 PM
Your satisfaction is our priority, and we appreciate your feedback. Thank you for choosing to work with our team. We hope to be able to work with you again, and wish you the best!
Everything was easy and their team was very communicative!
Reply from Tony Umholtz
April 7th, 2025 07:56 PM
We are thrilled to hear that your experience with our team was seamless and communicative. Your feedback is greatly appreciated, and we are committed to maintaining this level of service. Thank you for your kind words!
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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.