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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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Gail, Cindy, Cosette, the whole team were just incredible. Very kind, very professional, prompt, always provided timetly updates. As a first time home buyer, I could not have asked for a better experiance.
Reply from Tony Umholtz
April 20th, 2026 02:57 PM
Thank you, Sarah, for sharing your experience. We're grateful to hear that Gail, Cindy, Cosette, and the entire team provided such incredible support during your first home buying journey. It’s wonderful to know their professionalism and timely...
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Very smooth process. No hicupps
Reply from Tony Umholtz
April 20th, 2026 02:58 PM
We appreciate your feedback, Yasser. It's great to know that you experienced a smooth process without any hiccups. If you ever need further assistance, we're here to help.
The entire team was wonderful to work with. They were very responsive and happy to walk me through questions and concerns. Well done!
Reply from Tony Umholtz
April 20th, 2026 02:58 PM
Thank you, Heather, for your kind words. We're grateful to hear that our team was responsive and helpful in addressing your questions and concerns. It's great to know you had a positive experience!
Aaron, Marilyn and Cindy were super reachable and reliable during the loan approval process. I am grateful that they were along with us.
Reply from Tony Umholtz
April 20th, 2026 02:59 PM
Henry, thank you for highlighting the efforts of Aaron, Marilyn, and Cindy. Your gratitude is appreciated. Please let us know if there is anything else we can do to help
Aaron and the rest of the team were responosve and understanding that this was our first home buying experience. They also worked diligently to close on time when it was shorter notice.
Reply from Tony Umholtz
April 7th, 2026 04:46 PM
We appreciate your feedback, Caitlin. It's great to know that Aaron and the team were responsive and understanding, especially when you are going through your first home buying experience. Should you need any further assistance, please feel...
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Working with a fantastic team over there made it great.
Reply from Tony Umholtz
April 7th, 2026 04:47 PM
It’s wonderful to hear that you had such a positive experience with our team. We're committed to providing reliable support and care throughout every interaction. We appreciate your continued relationship and if there's anything more we can...
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Very responsive team
Reply from Tony Umholtz
March 26th, 2026 07:57 PM
We appreciate your feedback, Amelia. It's great to know that our team's responsiveness contributed to a 5 star experience. If there's anything more you need, please feel free to contact us.
I've closed literally thousands of real estate deals, and the Firat Horizion team is top notch for efficiency and ease from start to finish
Reply from Tony Umholtz
March 26th, 2026 07:58 PM
We appreciate your feedback, Chris. Hearing you say we are efficient and easy to work with from beginning to end means a lot to us. Your extensive experience in real estate gives your words even greater significance. Please reach out whenever...
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Tony Umholtz has received a review with 5 star rating from Michele R
Reply from Owner
March 24th, 2026 11:54 AM
Michele, 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
Gail and Cindy communicated so well and kept me up-to-date at every point. The initial conversations with Gail are why I went with First Horizon.
Reply from Tony Umholtz
March 26th, 2026 07:59 PM
Michele, we appreciate your kind words about Gail and Cindy. It's great to hear that their communication and guidance were instrumental in your decision to work with us. Keeping our clients informed is very important, and we're glad it made...
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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.