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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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Being able to call into office and speak to a person not a machine. If a message was left it was promply responded to. Very personal serbice.
Reply from Tony Umholtz
June 26th, 2026 12:30 PM
Barbara, we're grateful for your kind words. Service is our #1 priority and it is important to us that you can speak directly with a person during such an important transaction. Thank you for sharing the positive experience you had working...
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All of the members of the team were very accesible to questions I had throughout the process.
Reply from Tony Umholtz
June 26th, 2026 12:30 PM
We're glad to hear that our team was accessible and able to assist you with your questions throughout the process, Ariel. Providing support and ensuring a smooth experience is important to us. If there's anything else we can do for you, please...
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Great communication
Reply from Tony Umholtz
June 23rd, 2026 12:38 PM
Thank you, Shannon, for your 5 star review. We're glad our communication helped provide a positive experience with us. If you ever need further assistance, feel free to reach out.
Tony Umholtz has received a review with 5 star rating from Ronda M
Reply from Owner
June 16th, 2026 05:06 PM
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. ^DS
The entire team made it easy to get the deal done. The response time form everyone was fast and efficient. The rate was great as well. 10/10!!
Reply from Tony Umholtz
June 17th, 2026 02:02 PM
Thank you, Ronda, for your kind words. We're glad to hear that the team made the process easy and efficient for you, and that you were happy with the rate. Your 10/10 rating is greatly appreciated! Enjoy your new home!
Very smooth and clear process We were working on a very compressed timeline and it all came together without any last minute issues .
Reply from Tony Umholtz
June 15th, 2026 02:34 PM
Blair, we're grateful for your 5 star review, thank you! It's great to hear that the process was smooth and clear, especially on the tight timeline. We were excited to be a part of your home purchase. If you need further assistance, feel free...
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Tony Umholtz has received a review with 5 star rating from Kian S
Reply from Owner
June 9th, 2026 04:57 PM
Kian, 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
Great team of people .
Reply from Tony Umholtz
June 15th, 2026 02:34 PM
Thank you, Maryam, for your kind words. We're pleased to hear you had a positive experience with our team. If there's anything more we can do for you, please let us know.
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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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.