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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
Whenever there are updates on the loan that require updates on insurance or other forms please alert the applicant so those changes can be made promptly.
Reply from Tony Umholtz
March 26th, 2026 08:02 PM
We appreciate your suggestion, Yesenia. Keeping applicants informed about updates is important to us, and we understand the significance of timely communication when it comes to insurance and other forms. We are happy that we were able to get...
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Best experience I have ever had , everyone was so pleasent to work with, can not say enough!
Reply from Tony Umholtz
March 23rd, 2026 06:02 PM
We appreciate your feedback, Stewart. It's great to know that your experience was so positive. Your kind words about working with our team mean a lot to us. If there's anything more we can do for you in the future, please don't hesitate to...
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Tony and the whole team were a dream to work with. Everything was extremly smooth and efficient
You guys were amazing!!
Reply from Tony Umholtz
March 23rd, 2026 06:01 PM
Ariel, we truly appreciate your positive feedback. It's great to hear that Tony and the team made your experience smooth and efficient. Should you need any further assistance, please don't hesitate to reach out to us.
Tony Umholtz has received a review with 5 star rating from Robert R
Reply from Owner
March 23rd, 2026 06:00 PM
Robert, we appreciate your comments and are glad to learn about your positive experiences with our team, especially Aaron. It's great to hear that his familiarity and confidence contributed to your decision to work with First Horizon Bank....
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100% of your greatness is your people. Any time I had a question, there were people to help and explain. After a very bad experience with Bank of America, I went serching for another mortgage compny. When I verbally met Aaron, he instanly remembered...
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Reply from Tony Umholtz
March 23rd, 2026 05:58 PM
Robert, we appreciate your comments and are glad to learn about your positive experiences with our team, especially Aaron. It's great to hear that his familiarity and confidence contributed to your decision to work with First Horizon Bank....
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Amazing experience obtaining a mortgage with their Tampa team. Gail Daily was so kind, very experienced and responsive. First Horizon feels like personalized banking unlike the big box banks. Highly recommend!
Reply from Owner
March 16th, 2026 09:56 PM
Hi Lauren, Thank you for reaching out to us, and sharing your customer service experience, we are happy to hear that you had a pleasant experience at our Banking center location. We appreciate your sentiments and will pass along the information...
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I feel like it was a very personalized aporoach to banking rather than the experience with large banks. The team was incredibly fast and responsive and very experienced.
Reply from Tony Umholtz
March 23rd, 2026 05:48 PM
We appreciate your feedback, Lauren. It's great to hear that the team's speed and responsiveness made your experience with us positive. Our goal is to provide a service that truly meets the individual needs of each client, distinguishing us...
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Great experienc, everyone was helpful
Reply from Tony Umholtz
March 11th, 2026 03:11 PM
We're glad to hear about your great experience with us its good to know that everyone was helpful to you. If there's anything more we can assist you with in the future, please feel free to reach out.
Aaron and his team were fantastic! Very communicative and friendly and made the process as smooth as possible
Reply from Tony Umholtz
March 11th, 2026 03:12 PM
Thank you, Reema, for your kind words. We're glad to know the team provided you with friendly and communicative service, making the process smooth. Your feedback is greatly appreciated. If there's anything else we can assist you with, please...
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Overall would have been dated excellent except for the following: we were asked to go to the county and dig up documents that should have been easily retrieved by underwriting; underwriting repeatedly failed to request documents in timely fashion....
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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.