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.TThomas 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 UmholtzEverythingLLeonardo P.Posted on 2025-07-05T13:08:50.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzGail Daily was truly a delight to work with! She was super accessible, transparent, kind and attentive to our needs. I've reccomended her services to several other friends! And the fact that First Horizon's rates were lower than those from other banks was the icing on the cake! Thanks for all your support throughout this homebuying journey .AAngela K.Brookshire - TXPosted on 2025-06-30T12:12:58.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzThis was the smoothest and best mortgage process I've experienced so far! Everyone was so nice and helpful as well!TTracey L. T.Bradenton - FLPosted on 2025-06-26T19:29:44.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzEveryone at First Horizon went above and beyond to help us during this transition. They are prompt, professional, and truly enjoyable to work with.RRicky P.Posted on 2025-06-23T12:56:44.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzRRitesh S. P.Odessa - FLPosted on 2025-06-23T12:56:39.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzAaron was an excellent point of contact and he was very accomodating. My last mortgage with a competing bank was nowhere near as pleasant or smooth as working with Aaron and your underwriting team.SSarah E.Posted on 2025-06-21T12:44:51.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzTony, thank you for getting me connected and taken care of so fast! I was in a time crunch and you made it happen. Thank you to everyone on your team who pushed to meet tight deadlines. I'm comfortable in my new home woohoo!SSarah E.Tampa - FLPosted on 2025-06-21T12:44:37.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzTony, thank you for getting me connected and taken care of so fast! I was in a time crunch and you made it happen. Thank you to everyone on your team who pushed to meet tight deadlines. I'm comfortable in my new home woohoo!KKyle K.Posted on 2025-06-18T03:16:15.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzSmooth process and very easy to track what was needed from us in the online portal. The staff we worked with was very responsive to our questions and kept us updated throughout the process.KKyle M. K.Cumming - GAPosted on 2025-06-18T03:16:04.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzSmooth process and very easy to track what was needed from us in the online portal. The staff we worked with was very responsive to our questions and kept us updated throughout the process.MMelissa B. L.River Ridge - LAPosted on 2025-06-10T15:33:06.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzGood communicationRRafael E. C. R.Fulshear - TXPosted on 2025-06-02T13:30:20.000Z5.0 ★ ★ ★ ★ ★forTony Umholtzsmooth process.AArooj A.Pearland - TXPosted on 2025-05-28T13:51:25.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzAaron Laprade, was exceptional throughout the entire process. Everything went smoothly from start to finish. He is an amazing and highly knowledgeable individual to work with. From day one, he guided me step by step, and whether it was day or night, he was always available whenever I had a question or concern. His transparency, professionalism, and deep understanding of financing options made the entire experience seamless. He thoroughly presented every available option and ultimately recommended the one that best aligned with my goals as a physician. I will absolutely be returning for a future, larger purchase and will be recommending him highly not just within the Texas physician community, but beyond. Tony truly goes above and beyond to ensure you are confident in the terms and that your loan supports your long term growth and success.JJustin D.Ponte Vedra Beach - FLPosted on 2025-05-27T18:41:33.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzEasiest mortgage process I have ever used, no complaintsHHimanshu A.Virginia Beach - VAPosted on 2025-05-25T00:15:02.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzIncredibly positive experience with Tony Umholtz and his entire team. From their immediate availability to guidance during a tumultuous mortgage rate period, we are very fortunate to have them on our side. Highly recommend.MMazin S.Grayson - GAPosted on 2025-05-16T17:43:54.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzApplication process was seamless. Tony & his team were always available to answer any questions. My wife and I were very happy with the service.KK. M.Posted on 2025-05-15T00:22:11.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzEveryone I worked with were very professional. Everything went very smoothly with my mortgage process.KKristin M.Vinton - VAPosted on 2025-05-15T00:21:40.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzEveryone I worked with were very professional. Everything went very smoothly with my mortgage process.CChelsea G.Cantonment - FLPosted on 2025-05-12T15:28:44.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzAaron was super helpful with navigating the loan process. As a first time home-buyer, the Tony Umholtz group made the loan process easy to navigate.KKelly O.Posted on 2025-05-09T10:39:56.000Z4.0 ★ ★ ★ ★forTony UmholtzJJonathan J. L.Virginia Beach - VAPosted on 2025-05-05T12:47:40.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzEfficiency and speed to get stuff doneDDeborah N.Las Vegas - NVPosted on 2025-05-03T03:37:35.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzTeam at First Horizon was amazing . Cindy and Gail took time to go through everything with me. They made this long process so easy and efficient. They were very professional and knowledgeable. I felt at ease and comfortable through the process. I would highly recommend the team.
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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.
- 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
- LLeonardo P.Posted on 2025-07-05T13:08:50.000Z5.0forTony UmholtzGail Daily was truly a delight to work with! She was super accessible, transparent, kind and attentive to our needs. I've reccomended her services to several other friends! And the fact that First Horizon's rates were lower than those from other banks was the icing on the cake! Thanks for all your support throughout this homebuying journey .
- AAngela K.Brookshire - TXPosted on 2025-06-30T12:12:58.000Z5.0forTony UmholtzThis was the smoothest and best mortgage process I've experienced so far! Everyone was so nice and helpful as well!
- TTracey L. T.Bradenton - FLPosted on 2025-06-26T19:29:44.000Z5.0forTony UmholtzEveryone at First Horizon went above and beyond to help us during this transition. They are prompt, professional, and truly enjoyable to work with.
- RRicky P.Posted on 2025-06-23T12:56:44.000Z5.0forTony Umholtz
- RRitesh S. P.Odessa - FLPosted on 2025-06-23T12:56:39.000Z5.0forTony UmholtzAaron was an excellent point of contact and he was very accomodating. My last mortgage with a competing bank was nowhere near as pleasant or smooth as working with Aaron and your underwriting team.
- SSarah E.Posted on 2025-06-21T12:44:51.000Z5.0forTony UmholtzTony, thank you for getting me connected and taken care of so fast! I was in a time crunch and you made it happen. Thank you to everyone on your team who pushed to meet tight deadlines. I'm comfortable in my new home woohoo!
- SSarah E.Tampa - FLPosted on 2025-06-21T12:44:37.000Z5.0forTony UmholtzTony, thank you for getting me connected and taken care of so fast! I was in a time crunch and you made it happen. Thank you to everyone on your team who pushed to meet tight deadlines. I'm comfortable in my new home woohoo!
- KKyle K.Posted on 2025-06-18T03:16:15.000Z5.0forTony UmholtzSmooth process and very easy to track what was needed from us in the online portal. The staff we worked with was very responsive to our questions and kept us updated throughout the process.
- KKyle M. K.Cumming - GAPosted on 2025-06-18T03:16:04.000Z5.0forTony UmholtzSmooth process and very easy to track what was needed from us in the online portal. The staff we worked with was very responsive to our questions and kept us updated throughout the process.
- MMelissa B. L.River Ridge - LAPosted on 2025-06-10T15:33:06.000Z5.0forTony UmholtzGood communication
- RRafael E. C. R.Fulshear - TXPosted on 2025-06-02T13:30:20.000Z5.0forTony Umholtzsmooth process.
- AArooj A.Pearland - TXPosted on 2025-05-28T13:51:25.000Z5.0forTony UmholtzAaron Laprade, was exceptional throughout the entire process. Everything went smoothly from start to finish. He is an amazing and highly knowledgeable individual to work with. From day one, he guided me step by step, and whether it was day or night, he was always available whenever I had a question or concern. His transparency, professionalism, and deep understanding of financing options made the entire experience seamless. He thoroughly presented every available option and ultimately recommended the one that best aligned with my goals as a physician. I will absolutely be returning for a future, larger purchase and will be recommending him highly not just within the Texas physician community, but beyond. Tony truly goes above and beyond to ensure you are confident in the terms and that your loan supports your long term growth and success.
- JJustin D.Ponte Vedra Beach - FLPosted on 2025-05-27T18:41:33.000Z5.0forTony UmholtzEasiest mortgage process I have ever used, no complaints
- HHimanshu A.Virginia Beach - VAPosted on 2025-05-25T00:15:02.000Z5.0forTony UmholtzIncredibly positive experience with Tony Umholtz and his entire team. From their immediate availability to guidance during a tumultuous mortgage rate period, we are very fortunate to have them on our side. Highly recommend.
- MMazin S.Grayson - GAPosted on 2025-05-16T17:43:54.000Z5.0forTony UmholtzApplication process was seamless. Tony & his team were always available to answer any questions. My wife and I were very happy with the service.
- KK. M.Posted on 2025-05-15T00:22:11.000Z5.0forTony UmholtzEveryone I worked with were very professional. Everything went very smoothly with my mortgage process.
- KKristin M.Vinton - VAPosted on 2025-05-15T00:21:40.000Z5.0forTony UmholtzEveryone I worked with were very professional. Everything went very smoothly with my mortgage process.
- CChelsea G.Cantonment - FLPosted on 2025-05-12T15:28:44.000Z5.0forTony UmholtzAaron was super helpful with navigating the loan process. As a first time home-buyer, the Tony Umholtz group made the loan process easy to navigate.
- KKelly O.Posted on 2025-05-09T10:39:56.000Z4.0forTony Umholtz
- JJonathan J. L.Virginia Beach - VAPosted on 2025-05-05T12:47:40.000Z5.0forTony UmholtzEfficiency and speed to get stuff done
- DDeborah N.Las Vegas - NVPosted on 2025-05-03T03:37:35.000Z5.0forTony UmholtzTeam at First Horizon was amazing . Cindy and Gail took time to go through everything with me. They made this long process so easy and efficient. They were very professional and knowledgeable. I felt at ease and comfortable through the process. I would highly recommend the team.