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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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I have known Tony and Cyndi for quite sometime now. They are the perfect duo. Both are very knowledgeable and trust worthy in their respective jobs, very easy to communicate with and always welcoming to make the application process run smoothly...
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Reply from Tony Umholtz
March 5th, 2025 02:31 PM
Thank you so much, Nouhad, for taking the time to share your experience with us. We're thrilled the process was smooth and worry-free for you. Your kind words mean a lot and we're glad to have earned your trust. Looking forward to continuing...
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Gail, Cosette and Cindy were extremely professional, responsive and proactive in attending to all our needs.
Reply from Owner
March 5th, 2025 02:34 PM
Thank you for sharing your positive experience with us, Joseph. We're thrilled to hear that we provided you with the professional and proactive service you deserve. It's wonderful to know we were able to help you secure a great deal. Your kind...
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Gail, Cosette and Cindy were extremely professional, responsive and proactive in attending to all our needs and helping us secure a great deal.
Reply from Tony Umholtz
March 5th, 2025 02:34 PM
Thank you for sharing your positive experience with us, Joseph. We're thrilled to hear that we provided you with the professional and proactive service you deserve. It's wonderful to know we were able to help you secure a great deal. Your kind...
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Tony and his team are amazing! The communication throughout the process was perfect and they helped us understand each step. This was our second home loan with Tony and his team and we will definitely be referring our friends and family for...
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Reply from Tony Umholtz
February 28th, 2025 07:45 PM
Thank you so much for sharing your positive experience with us. We're thrilled to hear that the communication was perfect and that you felt supported every step of the way. It's wonderful to know that you've chosen us for your home loan needs...
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We had a fantastic experience working with Tony and his team! They made the loan process incredibly smooth, working quickly and efficiently to help us close ahead of schedule. Their professionalism, responsiveness, and attention to detail convinced...
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Reply from Owner
February 27th, 2025 12:27 PM
Thank you so much, Trevor, for taking the time to share your experience! It's wonderful to know we contributed positively to your home-buying journey. Your recommendation means a lot to us, and we look forward to the opportunity to assist you...
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We had a fantastic experience working with Tony, Tara, and Cosette! They made the loan process incredibly smooth, working quickly and efficiently to help us close ahead of schedule. Their professionalism, responsiveness, and attention to detail...
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Reply from Tony Umholtz
February 26th, 2025 02:45 PM
Thank you so much, Trevor, for taking the time to share your experience! It's wonderful to know we contributed positively to your home-buying journey. Your recommendation means a lot to us, and we look forward to the opportunity to assist you...
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Everyone was great to work with and very professional .
Reply from Tony Umholtz
February 25th, 2025 01:36 PM
Thank you for the kind words, Dr. Phil! We're happy to hear about your positive experience with our team. Your satisfaction is our top priority, and it's wonderful to know our professionalism met your expectations.
Tony, Gail and Cindy were so helpful during this process. I will (and have :) ) referred friends to reach out for any of their lending needs. I appreciated that Gail spent time walking me through all of the documents I was signing and was so...
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Reply from Tony Umholtz
February 24th, 2025 12:23 PM
Thank you so much, Brooke! It's wonderful to hear that we made your experience a positive one. We truly appreciate your referrals and are thrilled to have earned your trust. We're grateful for the opportunity to assist with your home purchase...
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This was easily the best experience we've had with ANY bank. Tony and his team were very responsive and took care of things so quickly. We closed on our new home in less than 30 days without a single hiccup! I'll recommend Tony and First Horizon...
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Reply from Tony Umholtz
February 18th, 2025 06:25 PM
Thank you so much, Jonathan! We're thrilled to hear about your positive experience. It's wonderful to know that everything went smoothly with your home closing. We truly appreciate your recommendation and look forward to serving you and everyone...
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Gail Daily, Mortgage Loan Assistant was excellent at every step. She was thorough, organized, and informative. She laid out each current step, gave a review of upcoming steps, and made the homebuying process efficient and transparent. We will...
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Reply from Tony Umholtz
January 8th, 2025 02:57 PM
We're delighted to hear that you had such a positive experience with our team. Our goal is to provide efficient and transparent services to our customers. We look forward to helping you with more of your financial goals in the future. Thank...
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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.