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.BBlair H.Grosse Pointe Farms - MIPosted on 2026-06-12T13:33:09.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzVery smooth and clear process We were working on a very compressed timeline and it all came together without any last minute issues .KKian S.Posted on 2026-06-09T12:55:06.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzMMaryam N. A.Boca Raton - FLPosted on 2026-06-09T12:54:59.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzGreat team of people .WWilliam T. L.Anna Maria - FLPosted on 2026-06-04T15:41:46.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzTony Umholtz, and his team were great to work with every step of the process. Bravo to all of them! And thank you to all of them!!TTed C.Jacksonville - FLPosted on 2026-06-03T12:46:54.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzExcellent response times. Made home buying easy. Previous lender was making life difficult so switched to first horizon bank with Tony and it immediately made the process enjoyable.HHayden B.Posted on 2026-06-02T13:37:23.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzMMichael H. B.Irondale - ALPosted on 2026-06-02T13:37:17.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzTerra, Cindy, and Cosette were all fantastic to work with! They communicated proactively from pre approval through closing. I would recommend that anyone use Tony's team, especially for a physicians loan.DDaniel T. H.Henrico - VAPosted on 2026-05-28T13:19:09.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzYou worked extremely hard to get this loan closed quickly! Communication was excellent, and closing costs were significantly cheaper. They were lower then rocket mortgage after we put down and additional 1.5% as wellJJordan Y.Posted on 2026-05-25T12:24:16.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzKKyra F.Posted on 2026-05-24T11:16:35.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzAaron Laplede was a great communicator and was available to discuss with us even with our very tight and busy schedules. He never made us feel like a bother and answered our questions with ease. His congenial and winsome personality also was pleasant to work with. The process was super easy as a first time home buyer! Thank you to your team!KKyra F.Tampa - FLPosted on 2026-05-24T11:15:37.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzAaron Laplede was a grear communicator and was available to discuss with us even with oir very tight and busy schedules. He never made us feellike a bother and answered our questions with ease. He's congenial amd winsome personality also was pleasant to work wOTH. The process was super easy as a first time home buyer! Thank you to your team!JJordan Y.Tallmadge - OHPosted on 2026-05-21T13:11:52.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzEverything was an easy smooth process and communication was goodKKyle K.TAMPA - FLPosted on 2026-05-19T16:11:41.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzAaron and Cindy both very responsive. would pick up the phone or answer emails quickly with any questions I had .SSteven L. H.Estero - FLPosted on 2026-05-19T15:08:03.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzThe entire process was fast, transparent and stress-free. Pre-signing documents online drastically reduced the time spent physically with a notary and title company. Nice job Folks!KKelsey H. W.Lakeland - FLPosted on 2026-05-15T16:24:08.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzEase of communication, quick responses, multiple contactsJJoseph A. A.Lutz - FLPosted on 2026-05-09T14:50:44.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzTony, Cindy, and the team took care of me and were always proactive, which has not always been the case with other lenders in the past.TTed S.Posted on 2026-04-25T00:06:22.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzTTed S.Leesburg - GAPosted on 2026-04-25T00:06:16.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzThe overall customer service that I received.DDave G.Posted on 2026-04-21T23:18:42.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzTony Umholtz team member Aaron LaPrade took the time to truly understand my financial situation and worked diligently to secure the right mortgage for us.DDavid C. G.Palm Harbor - FLPosted on 2026-04-21T23:17:57.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzAaron LaPrade took the time to truly understand my financial situation and worked diligently to secure the right mortgage for us.AAyeeshik K.Posted on 2026-04-21T12:18:25.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzAAyeeshik K.Dallas - TXPosted on 2026-04-21T12:18:17.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzTony and his team were very responsive throughtout the process, great communication!SSarah B.Posted on 2026-04-16T17:26:23.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzSuch a wonderful experiance from start to finish! Gail, Cindy, and Cosette were amazing to work with and so incredibly kind and efficient! Would recommend to anyone looking for a lender!SSarah B.Knoxville - TNPosted on 2026-04-16T17:25:26.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzGail, Cindy, Cosette, the whole team were just incredible. Very kind, very professional, prompt, always provided timetly updates. As a first time home buyer, I could not have asked for a better experiance.YYasser A.Houston - TXPosted on 2026-04-11T02:43:36.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzVery smooth process. No hicuppsHHeather L. B.Lutz - FLPosted on 2026-04-09T20:25:54.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzThe entire team was wonderful to work with. They were very responsive and happy to walk me through questions and concerns. Well done!HHenry C.Chantilly - VAPosted on 2026-04-08T12:21:27.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzAaron, Marilyn and Cindy were super reachable and reliable during the loan approval process. I am grateful that they were along with us.CCaitlin L. G.Waverly - GAPosted on 2026-04-02T15:36:15.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzAaron and the rest of the team were responosve and understanding that this was our first home buying experience. They also worked diligently to close on time when it was shorter notice.JJoseph S.Cumming - GAPosted on 2026-04-01T12:33:06.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzWorking with a fantastic team over there made it great.AAmelia S. A.Royal Palm Beach - FLPosted on 2026-03-24T17:07:47.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzVery responsive teamCChristopher W. B.Clearwater Beach - FLPosted on 2026-03-24T13:09:57.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzI've closed literally thousands of real estate deals, and the Firat Horizion team is top notch for efficiency and ease from start to finishMMichele R.Posted on 2026-03-23T18:03:01.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzMMichele R.Land O Lakes - FLPosted on 2026-03-23T18:02:50.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzGail and Cindy communicated so well and kept me up-to-date at every point. The initial conversations with Gail are why I went with First Horizon.SStewart N.Long Boat Key - FLPosted on 2026-03-23T13:13:18.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzBest experience I have ever had , everyone was so pleasent to work with, can not say enough!AAriel G. C.Tampa - FLPosted on 2026-03-20T15:06:06.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzTony and the whole team were a dream to work with. Everything was extremly smooth and efficient You guys were amazing!!RRobert R.Posted on 2026-03-17T12:43:34.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzRRobert R.Fort Lauderdale - FLPosted on 2026-03-17T12:42:47.000Z5.0 ★ ★ ★ ★ ★forTony Umholtz100% 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 me from another smaller deal he helped me with a few years ago. His confidence with the procedures that were necessary was the main reason I made the decision to use First Horizon. Once started, each and every person that I came to know in a very time and resource using procedure, was met by a freindly and knowledgeable employee. Every one! A rarity in today's business world. I will, and am already, moving my person business to First Horizon. Thanks to you and for all of your wonderful people.LLaurenPosted on 2026-03-16T13:34:37.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzAmazing 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!
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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.
- BBlair H.Grosse Pointe Farms - MIPosted on 2026-06-12T13:33:09.000Z5.0forTony UmholtzVery smooth and clear process We were working on a very compressed timeline and it all came together without any last minute issues .
- KKian S.Posted on 2026-06-09T12:55:06.000Z5.0forTony Umholtz
- MMaryam N. A.Boca Raton - FLPosted on 2026-06-09T12:54:59.000Z5.0forTony UmholtzGreat team of people .
- WWilliam T. L.Anna Maria - FLPosted on 2026-06-04T15:41:46.000Z5.0forTony UmholtzTony Umholtz, and his team were great to work with every step of the process. Bravo to all of them! And thank you to all of them!!
- TTed C.Jacksonville - FLPosted on 2026-06-03T12:46:54.000Z5.0forTony UmholtzExcellent response times. Made home buying easy. Previous lender was making life difficult so switched to first horizon bank with Tony and it immediately made the process enjoyable.
- HHayden B.Posted on 2026-06-02T13:37:23.000Z5.0forTony Umholtz
- MMichael H. B.Irondale - ALPosted on 2026-06-02T13:37:17.000Z5.0forTony UmholtzTerra, Cindy, and Cosette were all fantastic to work with! They communicated proactively from pre approval through closing. I would recommend that anyone use Tony's team, especially for a physicians loan.
- DDaniel T. H.Henrico - VAPosted on 2026-05-28T13:19:09.000Z5.0forTony UmholtzYou worked extremely hard to get this loan closed quickly! Communication was excellent, and closing costs were significantly cheaper. They were lower then rocket mortgage after we put down and additional 1.5% as well
- JJordan Y.Posted on 2026-05-25T12:24:16.000Z5.0forTony Umholtz
- KKyra F.Posted on 2026-05-24T11:16:35.000Z5.0forTony UmholtzAaron Laplede was a great communicator and was available to discuss with us even with our very tight and busy schedules. He never made us feel like a bother and answered our questions with ease. His congenial and winsome personality also was pleasant to work with. The process was super easy as a first time home buyer! Thank you to your team!
- KKyra F.Tampa - FLPosted on 2026-05-24T11:15:37.000Z5.0forTony UmholtzAaron Laplede was a grear communicator and was available to discuss with us even with oir very tight and busy schedules. He never made us feellike a bother and answered our questions with ease. He's congenial amd winsome personality also was pleasant to work wOTH. The process was super easy as a first time home buyer! Thank you to your team!
- JJordan Y.Tallmadge - OHPosted on 2026-05-21T13:11:52.000Z5.0forTony UmholtzEverything was an easy smooth process and communication was good
- KKyle K.TAMPA - FLPosted on 2026-05-19T16:11:41.000Z5.0forTony UmholtzAaron and Cindy both very responsive. would pick up the phone or answer emails quickly with any questions I had .
- SSteven L. H.Estero - FLPosted on 2026-05-19T15:08:03.000Z5.0forTony UmholtzThe entire process was fast, transparent and stress-free. Pre-signing documents online drastically reduced the time spent physically with a notary and title company. Nice job Folks!
- KKelsey H. W.Lakeland - FLPosted on 2026-05-15T16:24:08.000Z5.0forTony UmholtzEase of communication, quick responses, multiple contacts
- JJoseph A. A.Lutz - FLPosted on 2026-05-09T14:50:44.000Z5.0forTony UmholtzTony, Cindy, and the team took care of me and were always proactive, which has not always been the case with other lenders in the past.
- TTed S.Posted on 2026-04-25T00:06:22.000Z5.0forTony Umholtz
- TTed S.Leesburg - GAPosted on 2026-04-25T00:06:16.000Z5.0forTony UmholtzThe overall customer service that I received.
- DDave G.Posted on 2026-04-21T23:18:42.000Z5.0forTony UmholtzTony Umholtz team member Aaron LaPrade took the time to truly understand my financial situation and worked diligently to secure the right mortgage for us.
- DDavid C. G.Palm Harbor - FLPosted on 2026-04-21T23:17:57.000Z5.0forTony UmholtzAaron LaPrade took the time to truly understand my financial situation and worked diligently to secure the right mortgage for us.
- AAyeeshik K.Posted on 2026-04-21T12:18:25.000Z5.0forTony Umholtz
- AAyeeshik K.Dallas - TXPosted on 2026-04-21T12:18:17.000Z5.0forTony UmholtzTony and his team were very responsive throughtout the process, great communication!
- SSarah B.Posted on 2026-04-16T17:26:23.000Z5.0forTony UmholtzSuch a wonderful experiance from start to finish! Gail, Cindy, and Cosette were amazing to work with and so incredibly kind and efficient! Would recommend to anyone looking for a lender!
- SSarah B.Knoxville - TNPosted on 2026-04-16T17:25:26.000Z5.0forTony UmholtzGail, Cindy, Cosette, the whole team were just incredible. Very kind, very professional, prompt, always provided timetly updates. As a first time home buyer, I could not have asked for a better experiance.
- YYasser A.Houston - TXPosted on 2026-04-11T02:43:36.000Z5.0forTony UmholtzVery smooth process. No hicupps
- HHeather L. B.Lutz - FLPosted on 2026-04-09T20:25:54.000Z5.0forTony UmholtzThe entire team was wonderful to work with. They were very responsive and happy to walk me through questions and concerns. Well done!
- HHenry C.Chantilly - VAPosted on 2026-04-08T12:21:27.000Z5.0forTony UmholtzAaron, Marilyn and Cindy were super reachable and reliable during the loan approval process. I am grateful that they were along with us.
- CCaitlin L. G.Waverly - GAPosted on 2026-04-02T15:36:15.000Z5.0forTony UmholtzAaron and the rest of the team were responosve and understanding that this was our first home buying experience. They also worked diligently to close on time when it was shorter notice.
- JJoseph S.Cumming - GAPosted on 2026-04-01T12:33:06.000Z5.0forTony UmholtzWorking with a fantastic team over there made it great.
- AAmelia S. A.Royal Palm Beach - FLPosted on 2026-03-24T17:07:47.000Z5.0forTony UmholtzVery responsive team
- CChristopher W. B.Clearwater Beach - FLPosted on 2026-03-24T13:09:57.000Z5.0forTony UmholtzI've closed literally thousands of real estate deals, and the Firat Horizion team is top notch for efficiency and ease from start to finish
- MMichele R.Posted on 2026-03-23T18:03:01.000Z5.0forTony Umholtz
- MMichele R.Land O Lakes - FLPosted on 2026-03-23T18:02:50.000Z5.0forTony UmholtzGail and Cindy communicated so well and kept me up-to-date at every point. The initial conversations with Gail are why I went with First Horizon.
- SStewart N.Long Boat Key - FLPosted on 2026-03-23T13:13:18.000Z5.0forTony UmholtzBest experience I have ever had , everyone was so pleasent to work with, can not say enough!
- AAriel G. C.Tampa - FLPosted on 2026-03-20T15:06:06.000Z5.0forTony UmholtzTony and the whole team were a dream to work with. Everything was extremly smooth and efficient You guys were amazing!!
- RRobert R.Posted on 2026-03-17T12:43:34.000Z5.0forTony Umholtz
- RRobert R.Fort Lauderdale - FLPosted on 2026-03-17T12:42:47.000Z5.0forTony Umholtz100% 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 me from another smaller deal he helped me with a few years ago. His confidence with the procedures that were necessary was the main reason I made the decision to use First Horizon. Once started, each and every person that I came to know in a very time and resource using procedure, was met by a freindly and knowledgeable employee. Every one! A rarity in today's business world. I will, and am already, moving my person business to First Horizon. Thanks to you and for all of your wonderful people.
- LLaurenPosted on 2026-03-16T13:34:37.000Z5.0forTony UmholtzAmazing 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!