Tony Umholtz
Mortgage Loan Officer
Office: 813-603-4255
Cell: 813-785-6812
Fax: 813-327-5139
Experience
- Working in the financial services industry since 2002
- Currently focused on providing residential mortgage loan solutions, including conventional, VA, FHA, financing for medical doctors and dentists, construction to permanent lending, and jumbo financing
Education
- University of South Florida, MBA
- University of South Florida, BS
Professional Affiliations/Licenses
- Nationwide Mortgage Licensing System & Registry (NMLS) #377409
- Board Member, Salvation Army
- Board Member, FCA Tampa Bay
- Board Member, USF National Alumni Association
What clients are saying
AAustin H.Posted on 2024-05-08T23:54:40.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzTony and his team were responsive, helpful, and an overall joy to work with. They helped me choose the right mortgage product for me and helped me find the right budget as well. They also made the application and closing process incredibly easy.KKenneth A. H.Westminster - COPosted on 2024-05-08T23:52:32.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzI appreciated everyone’s responsiveness at the office (with Tony and Gail even answering me on their vacations) and the ease of the document submission process. There seemed to be a slight hiccup with the home insurance submission (it kept telling me there wasn’t a submission even though the provider through Blend had provided the info) but if that’s the worst thing I can say about the process, I’d say that’s a total success.CCarmen M. H.Jupiter - FLPosted on 2026-02-23T23:11:56.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzAaron Laprade was very helpful and knowledgeable. It was a pleasure working with him!HHana N. A.Windermere - FLPosted on 2026-02-19T16:46:04.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzWe had plenty of support and help throughout the process which made it simple to understand.GGwendolyn R.Ponte Vedra - FLPosted on 2026-02-06T13:41:53.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzFriendly and responsivejjoy C.Posted on 2026-02-06T13:36:04.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzEvery 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 with was very approachable and made sure to go the distance for me. I would highly recommend working with First Horizon!JJoy F. C.Archdale - NCPosted on 2026-02-06T13:34:15.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzThe experience was great because each person that I worked with was efficient, knowledgeable and responded to messages with incredible quickness.WWilliam L.Fayetteville - ARPosted on 2026-02-02T20:04:02.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzIt 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. Thank you for your efforts.JJermaine C.Clearwater - FLPosted on 2026-01-30T15:21:26.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzAble to reach after hours and provide assistance when needed.TTiffany L.El Paso - TXPosted on 2026-01-26T06:29:07.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzThe process was easy to follow each step and great communication from the whole team!SStephen L.Federal Way - WAPosted on 2026-01-23T20:54:12.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzThank 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 do business again in the future!JJanet U.Trinity - FLPosted on 2026-01-13T13:33:22.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzProcess for credit card pay offs was ridiculousRRobert U.Posted on 2026-01-13T00:10:04.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzRRobert U.Trinity - FLPosted on 2026-01-13T00:09:40.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzConstant communication with usJJoe S.Posted on 2025-12-22T13:19:29.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzFantastic experience and would highly recommend the team!JJoseph S.Cumming - GAPosted on 2025-12-22T13:18:51.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzGail, Cosette and Cindy were very responsive and thorough, and nice to work with!JJoseph D. J. V.Spring Hill - FLPosted on 2025-12-10T17:29:13.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzThey made the home buying process a breeze!CClay H.Posted on 2025-12-08T13:15:06.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzCClayton M. H.Tampa - FLPosted on 2025-12-08T13:14:56.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzTony , Cindy and Ivette were professional and responsive throughou the application and closing process I have already recommended First Horizon to friend .KKenneth A. H.Westminster - COPosted on 2025-12-04T22:53:38.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzGail and Cindy were super easy to work with. highly responsive and communicative, answering all my questions and making sure the refinance worked for my situationEEvan D.Posted on 2025-11-16T15:48:06.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzEEvan N. D.Tampa - FLPosted on 2025-11-16T15:47:57.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzThank you to Tony and his team for his outstanding communication and helping us obtain our mortgage.AAbigail B.Safety Harbor - FLPosted on 2025-11-03T13:05:36.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzGreat communication from Tony"s team - we worked with Cindy Bishop and also with Cosette CruzTThomas D.Posted on 2025-10-30T12:36:33.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzTThomas L. D.Tampa - FLPosted on 2025-10-30T12:36:25.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzTony and his team were very knowledgeable and extremely easy to work with. Everyone on the team was very responsive and always pleasant. We have nothing but good things to say!JJoshua A. S.Tampa - FLPosted on 2025-10-06T12:39:11.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzAbsolutely, here’s a heartfelt review that captures the essence of a great experience with First Horizon and Tony Umholtz in the mortgage loan processing journey: --- I recently had the pleasure of working with Tony Umholtz and the team at First Horizon for my mortgage loan processing, and I can't recommend them highly enough! From the moment I reached out, it was clear that I was in good hands. Tony's expertise and friendly demeanor made the entire process feel seamless. He took the time to explain every detail, ensuring I understood what to expect at each step. No question was too small, and he was always there to provide guidance, whether I was nervous about the paperwork or just wanted clarity on the next steps. What truly stood out was the level of personal care Tony and the First Horizon team put into my loan processing. It felt less like a transaction and more like a partnership. They genuinely cared about my goals and worked diligently to find the best mortgage options that fit my needs. The responsiveness of their team was remarkable; I often received answers to my inquiries almost immediately, which helped alleviate any stress during a typically overwhelming experience. In short, if you're looking for a mortgage loan provider that delivers outstanding service and results, I wholeheartedly recommend Tony Umholtz and First Horizon. They made what could have been a complicated process easy and even enjoyable. Thank you, Tony, for your exceptional support!JJonathan D. W.Tampa - FLPosted on 2025-09-12T12:26:39.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzTony and his team took care of everything. The systems are user-friendly. The entire process was a pleasure!PParas P.Posted on 2025-09-07T21:20:04.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzPParas P.Trenton - NJPosted on 2025-09-07T21:19:57.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzTeam made a process very easy!! Speacial Thanks to Aaron, cindy and Cossetta.NNathan P. K.Daphne - ALPosted on 2025-09-04T11:10:58.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzHave used and trust this team several timesBBarbara G.Posted on 2025-08-26T12:23:45.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzI really appreciate all that Tony Umholtz, Aaron LaPrade, and Cindy Bishop provided throughout the loan process. I was very impressed with the following: • Answered all my questions and provided guidance throughout the entire loan process • Ability to meet a tight deadline and close (5) days earlier than anticipated • The overall experience was seamless, pleasant, and positive due to the professionalism of Tony Umholtz and staff • Received updates throughout the process as what to expect next – there were no surprises • Customer service was exceptional, and I would recommend First Horizon to anyone who is in the market to buy a house! Tony, Aaron and Cindy – thank you for all that you did for us!BBarbara G.Tampa - FloridaPosted on 2025-08-26T12:22:46.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzI really appreciate all that Tony Umholtz, Aaron LaPrade, and Cindy Bishop provided throughout the loan process. I was very impressed with the following: · Answered all my questions and provided guidance throughout the entire loan process · Ability to meet a tight deadline and close (5) days earlier than anticipated · The overall experience was seamless, pleasant, and positive due to the professionalism of Tony Umholtz and staff · Received updates throughout the process as what to expect next – there were no surprises · Customer service was exceptional, and I would recommend First Horizon to anyone who is in the market to buy a house! Tony, Aaron and Cindy – thank you for all that you did for us!JJarren S.Posted on 2025-08-05T14:06:25.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzJJarren S.Arlington - TXPosted on 2025-08-05T14:06:17.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzAbsolutely loved working with the teamPPatrice C.Port Saint Lucie - FLPosted on 2025-08-01T23:21:58.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzTerra, Cindy, Barbara and CosetteMMatthew M.Tampa - FLPosted on 2025-07-28T13:14:48.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzThe communication was excellent throughout the processSSummer R.Posted on 2025-07-24T16:13:23.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzTony and his loan team are incredible. They are organized , kind, helpful, and incredibly knowledgeable. We are so grateful for their service and helping us obtain our dream home.SSummer B.Virginia Beach - VAPosted on 2025-07-24T16:11:26.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzThe loan team was too notch . Gail, Cindy , and Ana are the dream team. They worked together seamlessly and their communication was excellent. We are so grateful for their service .GGabriel D.Sarasota - FLPosted on 2025-07-08T12:23:56.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzSecond loan with Tony & his team - Highly recommend!CChristopher R. C.Wesley Chapel - FLPosted on 2025-07-07T20:41:44.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzEverything
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- AAustin H.Posted on 2024-05-08T23:54:40.000Z5.0forTony UmholtzTony and his team were responsive, helpful, and an overall joy to work with. They helped me choose the right mortgage product for me and helped me find the right budget as well. They also made the application and closing process incredibly easy.
- KKenneth A. H.Westminster - COPosted on 2024-05-08T23:52:32.000Z5.0forTony UmholtzI appreciated everyone’s responsiveness at the office (with Tony and Gail even answering me on their vacations) and the ease of the document submission process. There seemed to be a slight hiccup with the home insurance submission (it kept telling me there wasn’t a submission even though the provider through Blend had provided the info) but if that’s the worst thing I can say about the process, I’d say that’s a total success.
- CCarmen M. H.Jupiter - FLPosted on 2026-02-23T23:11:56.000Z5.0forTony UmholtzAaron Laprade was very helpful and knowledgeable. It was a pleasure working with him!
- HHana N. A.Windermere - FLPosted on 2026-02-19T16:46:04.000Z5.0forTony UmholtzWe had plenty of support and help throughout the process which made it simple to understand.
- GGwendolyn R.Ponte Vedra - FLPosted on 2026-02-06T13:41:53.000Z5.0forTony UmholtzFriendly and responsive
- jjoy C.Posted on 2026-02-06T13:36:04.000Z5.0forTony UmholtzEvery 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 with was very approachable and made sure to go the distance for me. I would highly recommend working with First Horizon!
- JJoy F. C.Archdale - NCPosted on 2026-02-06T13:34:15.000Z5.0forTony UmholtzThe experience was great because each person that I worked with was efficient, knowledgeable and responded to messages with incredible quickness.
- WWilliam L.Fayetteville - ARPosted on 2026-02-02T20:04:02.000Z5.0forTony UmholtzIt 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. Thank you for your efforts.
- JJermaine C.Clearwater - FLPosted on 2026-01-30T15:21:26.000Z5.0forTony UmholtzAble to reach after hours and provide assistance when needed.
- TTiffany L.El Paso - TXPosted on 2026-01-26T06:29:07.000Z5.0forTony UmholtzThe process was easy to follow each step and great communication from the whole team!
- SStephen L.Federal Way - WAPosted on 2026-01-23T20:54:12.000Z5.0forTony UmholtzThank 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 do business again in the future!
- JJanet U.Trinity - FLPosted on 2026-01-13T13:33:22.000Z5.0forTony UmholtzProcess for credit card pay offs was ridiculous
- RRobert U.Posted on 2026-01-13T00:10:04.000Z5.0forTony Umholtz
- RRobert U.Trinity - FLPosted on 2026-01-13T00:09:40.000Z5.0forTony UmholtzConstant communication with us
- JJoe S.Posted on 2025-12-22T13:19:29.000Z5.0forTony UmholtzFantastic experience and would highly recommend the team!
- JJoseph S.Cumming - GAPosted on 2025-12-22T13:18:51.000Z5.0forTony UmholtzGail, Cosette and Cindy were very responsive and thorough, and nice to work with!
- JJoseph D. J. V.Spring Hill - FLPosted on 2025-12-10T17:29:13.000Z5.0forTony UmholtzThey made the home buying process a breeze!
- CClay H.Posted on 2025-12-08T13:15:06.000Z5.0forTony Umholtz
- CClayton M. H.Tampa - FLPosted on 2025-12-08T13:14:56.000Z5.0forTony UmholtzTony , Cindy and Ivette were professional and responsive throughou the application and closing process I have already recommended First Horizon to friend .
- KKenneth A. H.Westminster - COPosted on 2025-12-04T22:53:38.000Z5.0forTony UmholtzGail 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
- EEvan D.Posted on 2025-11-16T15:48:06.000Z5.0forTony Umholtz
- EEvan N. D.Tampa - FLPosted on 2025-11-16T15:47:57.000Z5.0forTony UmholtzThank you to Tony and his team for his outstanding communication and helping us obtain our mortgage.
- AAbigail B.Safety Harbor - FLPosted on 2025-11-03T13:05:36.000Z5.0forTony UmholtzGreat communication from Tony"s team - we worked with Cindy Bishop and also with Cosette Cruz
- TThomas D.Posted on 2025-10-30T12:36:33.000Z5.0forTony Umholtz
- TThomas L. D.Tampa - FLPosted on 2025-10-30T12:36:25.000Z5.0forTony UmholtzTony and his team were very knowledgeable and extremely easy to work with. Everyone on the team was very responsive and always pleasant. We have nothing but good things to say!
- JJoshua A. S.Tampa - FLPosted on 2025-10-06T12:39:11.000Z5.0forTony UmholtzAbsolutely, here’s a heartfelt review that captures the essence of a great experience with First Horizon and Tony Umholtz in the mortgage loan processing journey: --- I recently had the pleasure of working with Tony Umholtz and the team at First Horizon for my mortgage loan processing, and I can't recommend them highly enough! From the moment I reached out, it was clear that I was in good hands. Tony's expertise and friendly demeanor made the entire process feel seamless. He took the time to explain every detail, ensuring I understood what to expect at each step. No question was too small, and he was always there to provide guidance, whether I was nervous about the paperwork or just wanted clarity on the next steps. What truly stood out was the level of personal care Tony and the First Horizon team put into my loan processing. It felt less like a transaction and more like a partnership. They genuinely cared about my goals and worked diligently to find the best mortgage options that fit my needs. The responsiveness of their team was remarkable; I often received answers to my inquiries almost immediately, which helped alleviate any stress during a typically overwhelming experience. In short, if you're looking for a mortgage loan provider that delivers outstanding service and results, I wholeheartedly recommend Tony Umholtz and First Horizon. They made what could have been a complicated process easy and even enjoyable. Thank you, Tony, for your exceptional support!
- JJonathan D. W.Tampa - FLPosted on 2025-09-12T12:26:39.000Z5.0forTony UmholtzTony and his team took care of everything. The systems are user-friendly. The entire process was a pleasure!
- PParas P.Posted on 2025-09-07T21:20:04.000Z5.0forTony Umholtz
- PParas P.Trenton - NJPosted on 2025-09-07T21:19:57.000Z5.0forTony UmholtzTeam made a process very easy!! Speacial Thanks to Aaron, cindy and Cossetta.
- NNathan P. K.Daphne - ALPosted on 2025-09-04T11:10:58.000Z5.0forTony UmholtzHave used and trust this team several times
- BBarbara G.Posted on 2025-08-26T12:23:45.000Z5.0forTony UmholtzI really appreciate all that Tony Umholtz, Aaron LaPrade, and Cindy Bishop provided throughout the loan process. I was very impressed with the following: • Answered all my questions and provided guidance throughout the entire loan process • Ability to meet a tight deadline and close (5) days earlier than anticipated • The overall experience was seamless, pleasant, and positive due to the professionalism of Tony Umholtz and staff • Received updates throughout the process as what to expect next – there were no surprises • Customer service was exceptional, and I would recommend First Horizon to anyone who is in the market to buy a house! Tony, Aaron and Cindy – thank you for all that you did for us!
- BBarbara G.Tampa - FloridaPosted on 2025-08-26T12:22:46.000Z5.0forTony UmholtzI really appreciate all that Tony Umholtz, Aaron LaPrade, and Cindy Bishop provided throughout the loan process. I was very impressed with the following: · Answered all my questions and provided guidance throughout the entire loan process · Ability to meet a tight deadline and close (5) days earlier than anticipated · The overall experience was seamless, pleasant, and positive due to the professionalism of Tony Umholtz and staff · Received updates throughout the process as what to expect next – there were no surprises · Customer service was exceptional, and I would recommend First Horizon to anyone who is in the market to buy a house! Tony, Aaron and Cindy – thank you for all that you did for us!
- JJarren S.Posted on 2025-08-05T14:06:25.000Z5.0forTony Umholtz
- JJarren S.Arlington - TXPosted on 2025-08-05T14:06:17.000Z5.0forTony UmholtzAbsolutely loved working with the team
- PPatrice C.Port Saint Lucie - FLPosted on 2025-08-01T23:21:58.000Z5.0forTony UmholtzTerra, Cindy, Barbara and Cosette
- MMatthew M.Tampa - FLPosted on 2025-07-28T13:14:48.000Z5.0forTony UmholtzThe communication was excellent throughout the process
- SSummer R.Posted on 2025-07-24T16:13:23.000Z5.0forTony UmholtzTony and his loan team are incredible. They are organized , kind, helpful, and incredibly knowledgeable. We are so grateful for their service and helping us obtain our dream home.
- SSummer B.Virginia Beach - VAPosted on 2025-07-24T16:11:26.000Z5.0forTony UmholtzThe loan team was too notch . Gail, Cindy , and Ana are the dream team. They worked together seamlessly and their communication was excellent. We are so grateful for their service .
- GGabriel D.Sarasota - FLPosted on 2025-07-08T12:23:56.000Z5.0forTony UmholtzSecond loan with Tony & his team - Highly recommend!
- CChristopher R. C.Wesley Chapel - FLPosted on 2025-07-07T20:41:44.000Z5.0forTony UmholtzEverything