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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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Thank you for the amazing experience for your services! Shout out to Gail and Cindy, who have been most pleasant to work with, as well as being very responsive and extremely helpful in answer all of our questions. Top marks all around! Would...
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Reply from Tony Umholtz
February 6th, 2026 07:04 PM
It's great to hear about your positive experience, Stephen. We appreciate your kind words regarding Gail and Cindy, and we're glad their responsiveness and helpfulness stood out to you. Your willingness to do business with us again is truly...
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Process for credit card pay offs was ridiculous
Reply from Tony Umholtz
January 14th, 2026 03:35 PM
We appreciate you sharing your experience with us, Janet. We are sorry the process for credit card payoffs felt challenging and am glad to know that despite that hiccup, your experience was 5 star. Your feedback is important to us and we will...
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Tony Umholtz has received a review with 5 star rating from Robert U
Reply from Owner
January 13th, 2026 01:02 PM
Robert, 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
Constant communication with us
Reply from Tony Umholtz
January 14th, 2026 03:36 PM
We appreciate your feedback, Robert. It's encouraging to know that our efforts to maintain constant communication made a positive impression on your experience with us. Should you have any more questions or require further assistance, feel...
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Fantastic experience and would highly recommend the team!
Reply from Owner
December 22nd, 2025 05:55 PM
Joe Sosa, 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 questions or concerns. Thank you for banking with First Horizon! ^Ken
Gail, Cosette and Cindy were very responsive and thorough, and nice to work with!
Reply from Tony Umholtz
December 30th, 2025 01:23 PM
We appreciate your review, Joseph. Friendly and efficient service is something we strive for, and we're glad to see it's resonated with you. If you need any further assistance, please feel free to get in touch with us.
They made the home buying process a breeze!
Reply from Tony Umholtz
December 12th, 2025 05:59 PM
Joseph, we're glad to know that the home buying process went smoothly for you. Making sure everything is as straightforward as possible is important to us. If there’s anything else you need, feel free to reach out. Congratulations on your new...
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Tony Umholtz has received a review with 5 star rating from Clay H
Reply from Owner
December 12th, 2025 06:00 PM
We appreciate your high rating, Clay. Thank you for your support of our team!
Tony , Cindy and Ivette were professional and responsive throughou the application and closing process I have already recommended First Horizon to friend .
Reply from Tony Umholtz
December 8th, 2025 08:48 PM
We appreciate you highlighting the professionalism and responsiveness of the team throughout your application and closing process. It's encouraging to know that we have earned your trust and recommendation to friends. If there's anything more...
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Gail and Cindy were super easy to work with. highly responsive and communicative, answering all my questions and making sure the refinance worked for my situation
Reply from Tony Umholtz
December 8th, 2025 08:47 PM
Thank you, we appreciate your positive feedback. It's great to know that we provided such responsive and communicative service, ensuring the refinance process suited your needs. If there's anything more we can assist you with, feel free to...
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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.