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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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Tony Umholtz has received a review with 5 star rating from BP
Reply from Owner
March 2nd, 2026 05:48 PM
BP, 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
Clear and concise communication.
Reply from Tony Umholtz
March 5th, 2026 03:01 PM
We appreciate your feedback, Ben. It's great to know that you had a great experience working with our team. We're here to support you, so feel free to reach out if you have any further questions or need assistance in the future. Enjoy your...
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Aaron Laprade was very helpful and knowledgeable. It was a pleasure working with him!
Reply from Tony Umholtz
February 24th, 2026 04:24 PM
Carmen, it's great to hear that Aaron was helpful and knowledgeable during your process, he is a valuable part of the team. We enjoyed working with you as well. If there's anything else you need in the future, feel free to reach out.
We had plenty of support and help throughout the process which made it simple to understand.
Reply from Tony Umholtz
February 20th, 2026 08:35 PM
We appreciate your feedback, Hana. It's great to know that you found our support throughout the process helpful and clear. Our team is dedicated to making things straightforward for our clients. Should you need any assistance in the future,...
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Friendly and responsive
Reply from Tony Umholtz
February 6th, 2026 06:54 PM
We appreciate your feedback, Gwendolyn. We're glad to hear that you found our service friendly and responsive. It was great to work with you and if you have any further questions or need assistance, please reach out to us. Take care!
Every person that I spoke with and helped in this process was professional, courteous, knowledgeable, and worked hard to find the best solutions possible. Cindy, Cosette and Gail were especially fantastic! From beginning to end everyone I worked...
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Reply from Owner
February 6th, 2026 08:46 PM
Joy Collins, thank you for reaching out to us! We are so happy to hear of your experience! Please don’t hesitate to reach out to us if you need assistance in the future. ^Bree
The experience was great because each person that I worked with was efficient, knowledgeable and responded to messages with incredible quickness.
Reply from Tony Umholtz
February 6th, 2026 06:55 PM
We're glad to hear about your great experience, Joy. It's wonderful to know that the team was efficient, knowledgeable, and quick to respond. Ensuring prompt and effective communication is important to us, and we're pleased it resonated with...
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It was easy to engage the bank about refinancing and the members worked efficiently to accomplish this refinance in very short order. I would readily recommend them to any friend or colleague who was considering such a service from First Horizon....
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Reply from Tony Umholtz
February 6th, 2026 06:56 PM
We appreciate your feedback, William. It's great to know that the refinancing process with First Horizon Bank was smooth and efficient for you. Your willingness to recommend our services to friends and colleagues is valued deeply, and we are...
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Able to reach after hours and provide assistance when needed.
Reply from Tony Umholtz
February 6th, 2026 06:58 PM
We appreciate your feedback, Jermaine. It's great to know that you could reach out for assistance even after hours when needed. Providing reliable support is important to us. If there's anything else we can do for you, please let us know.
The process was easy to follow each step and great communication from the whole team!
Reply from Tony Umholtz
February 6th, 2026 07:03 PM
Tiffany, we're glad to hear that you found the process easy to follow and appreciated the communication from our team. Clear guidance and effective communication are important to us, and were glad to know that contributed positively to your...
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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.