A

Austin H.  

Posted on 2024-05-08T23:54:40.000Z

5.0 ★ ★ ★ ★ ★

for

Tony Umholtz

Tony 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.

K

Kenneth A. H.  

Westminster - CO

Posted on 2024-05-08T23:52:32.000Z

5.0 ★ ★ ★ ★ ★

for

Tony Umholtz

I 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.

M

Mazin S.  

Grayson - GA

Posted on 2025-05-16T17:43:54.000Z

5.0 ★ ★ ★ ★ ★

for

Tony Umholtz

Application process was seamless. Tony & his team were always available to answer any questions. My wife and I were very happy with the service.

K

K. M.  

Posted on 2025-05-15T00:22:11.000Z

5.0 ★ ★ ★ ★ ★

for

Tony Umholtz

Everyone I worked with were very professional. Everything went very smoothly with my mortgage process.

K

Kristin M.  

Vinton - VA

Posted on 2025-05-15T00:21:40.000Z

5.0 ★ ★ ★ ★ ★

for

Tony Umholtz

Everyone I worked with were very professional. Everything went very smoothly with my mortgage process.

C

Chelsea G.  

Cantonment - FL

Posted on 2025-05-12T15:28:44.000Z

5.0 ★ ★ ★ ★ ★

for

Tony Umholtz

Aaron 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.

K

Kelly O.  

Posted on 2025-05-09T10:39:56.000Z

4.0 ★ ★ ★ ★

for

Tony Umholtz

J

Jonathan J. L.  

Virginia Beach - VA

Posted on 2025-05-05T12:47:40.000Z

5.0 ★ ★ ★ ★ ★

for

Tony Umholtz

Efficiency and speed to get stuff done

D

Deborah N.  

Las Vegas - NV

Posted on 2025-05-03T03:37:35.000Z

5.0 ★ ★ ★ ★ ★

for

Tony Umholtz

Team 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.

J

Justin D. W.  

Suwanee - GA

Posted on 2025-05-02T14:21:55.000Z

5.0 ★ ★ ★ ★ ★

for

Tony Umholtz

Gail Daily is phenomenal

Z

Zach C.  

Posted on 2025-05-02T12:35:56.000Z

5.0 ★ ★ ★ ★ ★

for

Tony Umholtz

I recently had the pleasure of working with Tony Umholtz, and Gail Daily at Firsto Horizon to close on my new home, and I couldn’t be more satisfied with the experience. From the very beginning, they were approachable and easy to communicate with, which made a typically stressful process feel much more manageable. They worked incredibly hard to ensure everything stayed on track and were always available to answer questions or explain next steps. Their deep knowledge and expertise were evident throughout, and I felt confident knowing I was in good hands. Thanks to their dedication and professionalism, the entire process was smooth and efficient. I highly recommend Tony and Gail at First Horizon to anyone looking for a lender who truly cares and delivers excellent service.

Z

Zachary C.  

Riverview - FL

Posted on 2025-05-02T12:33:22.000Z

5.0 ★ ★ ★ ★ ★

for

Tony Umholtz

The team at First Horizon were hard working, their deep knowledge and expertise were evident throughout made me know I w a in good hands throughout the process. Everyone I worked with in First Horizon were approachable, and easy to communicate with throughout this process, which made this process seamless.

J

Jonathan D. S.  

Lithia - FL

Posted on 2025-05-01T18:43:38.000Z

5.0 ★ ★ ★ ★ ★

for

Tony Umholtz

We were kept well informed through the entire process. Start to finish went smoothly and quickly.

D

Deborah N.  

Posted on 2025-04-21T13:25:01.000Z

5.0 ★ ★ ★ ★ ★

for

Tony Umholtz

Gail and Cindy were very professional and knowledgeable. They took time almost daily to follow up with me. They made this very long process seem so short and smooth. They followed up quickly whenever I had questions. Overall I would recommend them. I had an amazing experience with First Horizon and I am glad I choose this team to finance my mortgage.

S

Stephanie B.  

Posted on 2025-04-08T18:27:10.000Z

5.0 ★ ★ ★ ★ ★

for

Tony Umholtz

Can't recommend enough! Gail and Cindy were wonderful to work with!

S

Stephanie L. F.  

Riverview - FL

Posted on 2025-04-08T18:26:35.000Z

5.0 ★ ★ ★ ★ ★

for

Tony Umholtz

Gail and Cindy were wonderful to work with! Gail helped us decide what type of approach was best for us and from there they both explained things so well and made sure we were staying on track for the desired closing date.

A

Abdel-Karim B.  

San Antonio - FL

Posted on 2025-04-08T00:00:55.000Z

5.0 ★ ★ ★ ★ ★

for

Tony Umholtz

Tony and his team made this process very simple. They were an absolute pleasure to work with.

M

Mary K. K.  

Van Nuys - CA

Posted on 2025-04-07T18:57:15.000Z

5.0 ★ ★ ★ ★ ★

for

Tony Umholtz

Everything was easy and their team was very communicative!

z

zach W.  

Posted on 2025-03-28T13:41:32.000Z

5.0 ★ ★ ★ ★ ★

for

Tony Umholtz

Z

Zachary W.  

Lowellville - OH

Posted on 2025-03-28T13:41:15.000Z

5.0 ★ ★ ★ ★ ★

for

Tony Umholtz

The process was explained well. The staff was great communicating. Closing date was met and accomadated very well.

J

Jason A. N.  

Tampa - FL

Posted on 2025-03-25T23:46:43.000Z

5.0 ★ ★ ★ ★ ★

for

Tony Umholtz

great to work with including his whole team. always present to discuss and answer questions. Really cares for his clients and wants to see them do well. Would suggest him for any future home mortages for anyone...

D

Dong-Phuong C.  

Murphy - NC

Posted on 2025-03-21T14:36:24.000Z

5.0 ★ ★ ★ ★ ★

for

Tony Umholtz

Thank you for the awesome communication, sense of urgency (without sacrificing thoroughness), and thoughtfulness and care!

C

Clayton M. H.  

Tampa - FL

Posted on 2025-03-20T12:54:44.000Z

5.0 ★ ★ ★ ★ ★

for

Tony Umholtz

Tony did an excellent job of providing us options for our cash out mortgage and a follow on construction loan . Cindy was amazingly helpful throughout the process . Gold Star for both!

A

Andrew C.  

Posted on 2025-03-17T23:15:31.000Z

5.0 ★ ★ ★ ★ ★

for

Tony Umholtz

A

Andrew S. C. J.  

Charlotte - NC

Posted on 2025-03-17T23:15:26.000Z

5.0 ★ ★ ★ ★ ★

for

Tony Umholtz

EVERYTHING WAS GREAT AND URGENT

J

Jacob B. S.  

Xenia - OH

Posted on 2025-03-15T20:04:48.000Z

5.0 ★ ★ ★ ★ ★

for

Tony Umholtz

Communication was great around the board. The part we were disappointed with was a last minute change in the loan terms before closing. We were pre-approved for a small loan compared to our income at 6.5% for a 30 year conventional loan. We found the house we wanted and we spent weeks getting ready to close. Within the final week before closing, we were told we had to switch the loan to a 2nd home/investment home because we didn't have employment in the new area yet and our current jobs were too far away from the new home. We communicated we were planning to get new employment but still live in our current home until then, well before the final week. Then we were considering the rate and down payment options with the increased “2nd home” rates. The rate and down payment that was “locked in” we never agreed to. We did get $500 off the points that was locked in because of the complaint, but the down payment was 25% instead of our planned 20%. So all this cost us an extra $13000 down and $100 per month. This was our second time using First Horizon and it was unfortunately an expensive one. We now have new employment set up near the new home only 2 weeks after we closed. Underwriting wouldn't approve the original pre-approved terms. If we would've known this sooner we would've secured employment before buying.Communication was great around the board. The part we were disappointed with was a last minute change in the loan terms before closing. We were pre-approved for a small loan compared to our income at 6.5% for a 30 year conventional loan. We found the house we wanted and we spent weeks getting ready to close. Within the final week before closing, we were told we had to switch the loan to a 2nd home/investment home because we didn't have employment in the new area yet and our current jobs were too far away from the new home. We communicated we were planning to get new employment but still live in our current home until then, well before the final week. Then we were considering the rate and down payment options with the increased “2nd home” rates. The rate and down payment that was “locked in” we never agreed to. We did get $500 off the points that was locked in because of the complaint, but the down payment was 25% instead of our planned 20%. So all this cost us an extra $13000 down and $100 per month. This was our second time using First Horizon and it was unfortunately an expensive one. We now have new employment set up near the new home only 2 weeks after we closed. Underwriting wouldn't approve the original pre-approved terms. If we would've known this sooner we would've secured employment before buying.

M

Mohammed T. A.  

Dacula - GA

Posted on 2025-03-11T02:12:56.000Z

5.0 ★ ★ ★ ★ ★

for

Tony Umholtz

Good at communicatio!

B

Bryce P.  

Raleigh - NC

Posted on 2025-03-07T18:49:39.000Z

5.0 ★ ★ ★ ★ ★

for

Tony Umholtz

Pharmacist option

N

Nouhad Y. M.  

Odessa - FL

Posted on 2025-03-04T06:30:12.000Z

5.0 ★ ★ ★ ★ ★

for

Tony Umholtz

I have known Tony and Cyndi for quite sometime now. They are the perfect duo. Both are very knowledgeable and trust worthy in their respective jobs, very easy to communicate with and always welcoming to make the application process run smoothly and worry free.

J

Joe S.  

Posted on 2025-03-04T00:40:13.000Z

5.0 ★ ★ ★ ★ ★

for

Tony Umholtz

Gail, Cosette and Cindy were extremely professional, responsive and proactive in attending to all our needs.

J

Joseph T. S.  

Cumming - GA

Posted on 2025-03-04T00:39:32.000Z

5.0 ★ ★ ★ ★ ★

for

Tony Umholtz

Gail, Cosette and Cindy were extremely professional, responsive and proactive in attending to all our needs and helping us secure a great deal.

L

Leonard B.  

Tampa - FL

Posted on 2025-02-28T13:39:54.000Z

5.0 ★ ★ ★ ★ ★

for

Tony Umholtz

Tony and his team are amazing! The communication throughout the process was perfect and they helped us understand each step. This was our second home loan with Tony and his team and we will definitely be referring our friends and family for future business.

T

Trevor C.  

Posted on 2025-02-26T13:17:10.000Z

5.0 ★ ★ ★ ★ ★

for

Tony Umholtz

We had a fantastic experience working with Tony and his team! They made the loan process incredibly smooth, working quickly and efficiently to help us close ahead of schedule. Their professionalism, responsiveness, and attention to detail convinced us that we had chosen the right lender. Buying a home is both exciting and stressful, but their support made all the difference. We truly appreciate their hard work and couldn’t have asked for a better team. Highly recommend them and look forward to working together in the future!

T

Trevor K. C.  

Tampa - FL

Posted on 2025-02-26T13:16:21.000Z

5.0 ★ ★ ★ ★ ★

for

Tony Umholtz

We had a fantastic experience working with Tony, Tara, and Cosette! They made the loan process incredibly smooth, working quickly and efficiently to help us close ahead of schedule. Their professionalism, responsiveness, and attention to detail convinced us that we had chosen the right lender. Buying a home is both exciting and stressful, but their support made all the difference. We truly appreciate their hard work and couldn’t have asked for a better team. Highly recommend them and look forward to working together in the future!

E

Eftechios P. X.  

Lakeland - FL

Posted on 2025-02-24T16:13:20.000Z

5.0 ★ ★ ★ ★ ★

for

Tony Umholtz

Everyone was great to work with and very professional .

B

Brooke N. B.  

Tampa - FL

Posted on 2025-02-21T16:53:21.000Z

5.0 ★ ★ ★ ★ ★

for

Tony Umholtz

Tony, Gail and Cindy were so helpful during this process. I will (and have :) ) referred friends to reach out for any of their lending needs. I appreciated that Gail spent time walking me through all of the documents I was signing and was so communicative throughout the process. As was Cindy leading up to the closing! I am so grateful for their support and have enjoyed working with Tony and his team!

J

Jonathan B. S.  

Spring - TX

Posted on 2025-02-12T20:56:33.000Z

5.0 ★ ★ ★ ★ ★

for

Tony Umholtz

This was easily the best experience we've had with ANY bank. Tony and his team were very responsive and took care of things so quickly. We closed on our new home in less than 30 days without a single hiccup! I'll recommend Tony and First Horizon to everyone I know!!

C

Christine S.  

Conroe - TX

Posted on 2025-01-07T14:53:55.000Z

5.0 ★ ★ ★ ★ ★

for

Tony Umholtz

Gail Daily, Mortgage Loan Assistant was excellent at every step. She was thorough, organized, and informative. She laid out each current step, gave a review of upcoming steps, and made the homebuying process efficient and transparent. We will happily work with First Horizon for other financial goals because of our experiences with Gail. Thank you.

S

Steven M.  

Lutz - FL

Posted on 2025-01-01T03:13:41.000Z

5.0 ★ ★ ★ ★ ★

for

Tony Umholtz

The fast closing and attention to detail were truly impressive, and it was clear that every member of Tonys team was dedicated to ensuring the best possible experience for us.

D

David N. S.  

Fort Worth - TX

Posted on 2024-12-23T15:05:33.000Z

5.0 ★ ★ ★ ★ ★

for

Tony Umholtz

The whole team was assessible, friendly, and timely. Everyone exhibited the utmost professionalism and were thorough/transparent throughout the process. Even during a hurricane, staff members never missed a beat. This was my first home buying experience, and I will for sure reach out to this First Horizon team first in the future. Thank you to Tony/ Gail and the First Horizon team! My wife and I greatly appreciate the service. -David S