
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.LLeonard B.Tampa - FLPosted on 2025-02-28T13:39:54.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzTony 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.TTrevor C.Posted on 2025-02-26T13:17:10.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzWe 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!TTrevor K. C.Tampa - FLPosted on 2025-02-26T13:16:21.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzWe 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!EEftechios P. X.Lakeland - FLPosted on 2025-02-24T16:13:20.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzEveryone was great to work with and very professional .BBrooke N. B.Tampa - FLPosted on 2025-02-21T16:53:21.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzTony, 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!JJonathan B. S.Spring - TXPosted on 2025-02-12T20:56:33.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzThis 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!!CChristine S.Conroe - TXPosted on 2025-01-07T14:53:55.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzGail 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.SSteven M.Lutz - FLPosted on 2025-01-01T03:13:41.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzThe 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.DDavid N. S.Fort Worth - TXPosted on 2024-12-23T15:05:33.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzThe 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 SHHunter R.Posted on 2024-12-21T15:44:03.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzEveryone on the team was competent, confident and friendly!HHunter O. R.Saint Charles - MOPosted on 2024-12-21T15:43:43.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzEveryone on the team was competant, confident and friendly.MMelissa V.Posted on 2024-12-20T15:37:46.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzMMelissa V.Woodstock - GAPosted on 2024-12-20T15:37:39.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzOur agent was great!PPrithi D.Orlando - FLPosted on 2024-10-02T00:58:53.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzThe whole team is super efficient and very friendly. The process can be tedious but the people involved made it very easy.ssimar B.Posted on 2024-09-23T12:59:48.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzWe had a great experience working with Tony and his team. They are very professional, experienced and approachable. Special thanks to Terra for working on day to day basis on all the open items. Also Cindy and Cosette have been vey helpful and resourceful. Thank you for making the whole process seamless and memorable.SSukhmani K. C.Wesley Chapel - FLPosted on 2024-09-23T12:56:36.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzIt was a great experience working Tony and his team. They are very professional, experienced and approachable. I would like to specially thanks Terra for working day to day with me on all the open items. Also Cindy and Cosette were very helpful and resourceful. They made the whole process seamless and memorable!MMichael R. P.Saint Petersburg - FLPosted on 2024-09-14T13:42:21.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzTony's group was very easy to work withJJohn H. D.Palm Harbor - FLPosted on 2024-09-11T21:18:33.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzGail Daly !!!!!!!!!MMelissa E.Posted on 2024-09-02T17:04:08.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzMMelissa R. E.Royal Palm Beach - FLPosted on 2024-09-02T17:04:01.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzGreat communication, always accessible. process was smooth and stress-freeNNick F.Plant City - FLPosted on 2024-09-02T14:02:27.000Z4.0 ★ ★ ★ ★forTony UmholtzThe support was very good. It got a little scary there at the end. We needed to come up with a lot of documents at the 11th hour. They were very understanding and worked with us well.HH H.Posted on 2024-08-30T14:23:38.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzSSanghong P.Lavon - TXPosted on 2024-08-30T14:23:31.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzVery nice working withJJericho C.Tampa - FLPosted on 2024-08-02T16:32:49.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzBuying a house can be a chaotic experience, with all the moving parts that comes with it. Your team has made it a painless and put a lot of unnecessary worries at ease. Thank you.NNicole C.Tampa - FLPosted on 2024-08-02T13:11:16.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzEveryone communicated wonderful. Aaron was so helpful and he got us the best rates. The only thing that annoyed me was how many times I was asked about Oasis. I explained four times what it was but it seemed like no one told each other. So I kept answering the same question.AArjun R.Posted on 2024-08-01T16:21:23.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzFirst Horizon team - Tony's team - Tony, Gail, Cindy, Ana - were all fantastic. They made the process very easy. They were knowledgeable, courteous, responsive, and pro-active. They shared additional information / advise as we were making a move to a new city. Overall, extremely satisfied with the service and highly recommend this team.AArjun R.Tampa - FLPosted on 2024-08-01T16:18:33.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzThe team was extremely responsive, proactive, knowledgeable, and kind. Excellent service.NNeil J. M.Bradenton - FLPosted on 2024-07-30T17:58:01.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzCindy C. BishopSSussy D. O. L.Posted on 2024-07-22T15:01:49.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzVery professional and effective serviceSSussy O. L.Jacksonville - FLPosted on 2024-07-22T15:01:06.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzVery professional and timely serviceMMelissa H.Posted on 2024-07-12T12:55:15.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzMy husband and I worked with Aaron, Cindy, and Mary to help us buy our first home. Their customer service is truly unmatched. All of our questions were answered quickly and thoroughly. Buying a home can be stressful, but they were calm and explained everything to us. The entire team was organized, patient, and beyond helpful. We will without a doubt be referring this team to our friends and family.LLyonell B. K.Atlanta - GAPosted on 2024-07-08T12:27:50.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzEverything was smooth.JJoshua R.Ocala - FLPosted on 2024-07-02T21:09:26.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzFirst Horizon was wonderful to work with throughout the purchase of our new home, especially since we were doing so remotely from out of state. We received exceptional service from Gail and Cindy in particular, who were constantly in communication with us and always replied right away. The whole process was so smooth thanks to the wonderful team we worked with, and we will definitely be using First Horizon in the future, when needed, as well as recommending to our family and friends!DDavid W. B.Tampa - FLPosted on 2024-06-30T20:30:40.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzTimely communication at every step. Gail was amazingly helpful and responsive!ppilar B.Posted on 2024-06-28T20:59:59.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzI had a fantastic experience with the loan team. They were professional, responsive, and made the entire process smooth and easy. I highly recommend them for their outstanding service!MMARIA D. P. B. G.Aventura - FLPosted on 2024-06-28T20:58:49.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzI highly recommend the entire loan team for their outstanding service. They were exceptionally professional and always reachable. The process was smooth and seamless, making our experience truly enjoyable. Thank you for your excellent work!KKimberly R. T.Eagan - MNPosted on 2024-06-25T00:17:24.000Z4.0 ★ ★ ★ ★forTony UmholtzPlatform to upload documents was easy to useRRahotep A.Posted on 2024-06-19T16:46:01.000Z5.0 ★ ★ ★ ★ ★forTony UmholtzVery professional and made the process smooth.
-
What clients are saying
-
What clients are saying
-
What clients are saying
-
What clients are saying
-
What clients are saying
-
What clients are saying
-
What clients are saying
-
What clients are saying
-
What clients are saying
-
What clients are saying
-
What clients are saying
-
What clients are saying
-
What clients are saying
-
What clients are saying
-
What clients are saying
-
What clients are saying
-
What clients are saying
-
What clients are saying
-
What clients are saying
-
What clients are saying
-
What clients are saying
-
What clients are saying
-
What clients are saying
-
What clients are saying
-
What clients are saying
-
What clients are saying
-
What clients are saying
-
What clients are saying
-
What clients are saying
-
What clients are saying
-
What clients are saying
-
What clients are saying
-
What clients are saying
-
What clients are saying
-
What clients are saying
-
What clients are saying
-
What clients are saying
-
What clients are saying
-
What clients are saying
-
What clients are saying
- 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.
- LLeonard B.Tampa - FLPosted on 2025-02-28T13:39:54.000Z5.0forTony UmholtzTony 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.
- TTrevor C.Posted on 2025-02-26T13:17:10.000Z5.0forTony UmholtzWe 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!
- TTrevor K. C.Tampa - FLPosted on 2025-02-26T13:16:21.000Z5.0forTony UmholtzWe 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!
- EEftechios P. X.Lakeland - FLPosted on 2025-02-24T16:13:20.000Z5.0forTony UmholtzEveryone was great to work with and very professional .
- BBrooke N. B.Tampa - FLPosted on 2025-02-21T16:53:21.000Z5.0forTony UmholtzTony, 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!
- JJonathan B. S.Spring - TXPosted on 2025-02-12T20:56:33.000Z5.0forTony UmholtzThis 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!!
- CChristine S.Conroe - TXPosted on 2025-01-07T14:53:55.000Z5.0forTony UmholtzGail 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.
- SSteven M.Lutz - FLPosted on 2025-01-01T03:13:41.000Z5.0forTony UmholtzThe 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.
- DDavid N. S.Fort Worth - TXPosted on 2024-12-23T15:05:33.000Z5.0forTony UmholtzThe 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
- HHunter R.Posted on 2024-12-21T15:44:03.000Z5.0forTony UmholtzEveryone on the team was competent, confident and friendly!
- HHunter O. R.Saint Charles - MOPosted on 2024-12-21T15:43:43.000Z5.0forTony UmholtzEveryone on the team was competant, confident and friendly.
- MMelissa V.Posted on 2024-12-20T15:37:46.000Z5.0forTony Umholtz
- MMelissa V.Woodstock - GAPosted on 2024-12-20T15:37:39.000Z5.0forTony UmholtzOur agent was great!
- PPrithi D.Orlando - FLPosted on 2024-10-02T00:58:53.000Z5.0forTony UmholtzThe whole team is super efficient and very friendly. The process can be tedious but the people involved made it very easy.
- ssimar B.Posted on 2024-09-23T12:59:48.000Z5.0forTony UmholtzWe had a great experience working with Tony and his team. They are very professional, experienced and approachable. Special thanks to Terra for working on day to day basis on all the open items. Also Cindy and Cosette have been vey helpful and resourceful. Thank you for making the whole process seamless and memorable.
- SSukhmani K. C.Wesley Chapel - FLPosted on 2024-09-23T12:56:36.000Z5.0forTony UmholtzIt was a great experience working Tony and his team. They are very professional, experienced and approachable. I would like to specially thanks Terra for working day to day with me on all the open items. Also Cindy and Cosette were very helpful and resourceful. They made the whole process seamless and memorable!
- MMichael R. P.Saint Petersburg - FLPosted on 2024-09-14T13:42:21.000Z5.0forTony UmholtzTony's group was very easy to work with
- JJohn H. D.Palm Harbor - FLPosted on 2024-09-11T21:18:33.000Z5.0forTony UmholtzGail Daly !!!!!!!!!
- MMelissa E.Posted on 2024-09-02T17:04:08.000Z5.0forTony Umholtz
- MMelissa R. E.Royal Palm Beach - FLPosted on 2024-09-02T17:04:01.000Z5.0forTony UmholtzGreat communication, always accessible. process was smooth and stress-free
- NNick F.Plant City - FLPosted on 2024-09-02T14:02:27.000Z4.0forTony UmholtzThe support was very good. It got a little scary there at the end. We needed to come up with a lot of documents at the 11th hour. They were very understanding and worked with us well.
- HH H.Posted on 2024-08-30T14:23:38.000Z5.0forTony Umholtz
- SSanghong P.Lavon - TXPosted on 2024-08-30T14:23:31.000Z5.0forTony UmholtzVery nice working with
- JJericho C.Tampa - FLPosted on 2024-08-02T16:32:49.000Z5.0forTony UmholtzBuying a house can be a chaotic experience, with all the moving parts that comes with it. Your team has made it a painless and put a lot of unnecessary worries at ease. Thank you.
- NNicole C.Tampa - FLPosted on 2024-08-02T13:11:16.000Z5.0forTony UmholtzEveryone communicated wonderful. Aaron was so helpful and he got us the best rates. The only thing that annoyed me was how many times I was asked about Oasis. I explained four times what it was but it seemed like no one told each other. So I kept answering the same question.
- AArjun R.Posted on 2024-08-01T16:21:23.000Z5.0forTony UmholtzFirst Horizon team - Tony's team - Tony, Gail, Cindy, Ana - were all fantastic. They made the process very easy. They were knowledgeable, courteous, responsive, and pro-active. They shared additional information / advise as we were making a move to a new city. Overall, extremely satisfied with the service and highly recommend this team.
- AArjun R.Tampa - FLPosted on 2024-08-01T16:18:33.000Z5.0forTony UmholtzThe team was extremely responsive, proactive, knowledgeable, and kind. Excellent service.
- NNeil J. M.Bradenton - FLPosted on 2024-07-30T17:58:01.000Z5.0forTony UmholtzCindy C. Bishop
- SSussy D. O. L.Posted on 2024-07-22T15:01:49.000Z5.0forTony UmholtzVery professional and effective service
- SSussy O. L.Jacksonville - FLPosted on 2024-07-22T15:01:06.000Z5.0forTony UmholtzVery professional and timely service
- MMelissa H.Posted on 2024-07-12T12:55:15.000Z5.0forTony UmholtzMy husband and I worked with Aaron, Cindy, and Mary to help us buy our first home. Their customer service is truly unmatched. All of our questions were answered quickly and thoroughly. Buying a home can be stressful, but they were calm and explained everything to us. The entire team was organized, patient, and beyond helpful. We will without a doubt be referring this team to our friends and family.
- LLyonell B. K.Atlanta - GAPosted on 2024-07-08T12:27:50.000Z5.0forTony UmholtzEverything was smooth.
- JJoshua R.Ocala - FLPosted on 2024-07-02T21:09:26.000Z5.0forTony UmholtzFirst Horizon was wonderful to work with throughout the purchase of our new home, especially since we were doing so remotely from out of state. We received exceptional service from Gail and Cindy in particular, who were constantly in communication with us and always replied right away. The whole process was so smooth thanks to the wonderful team we worked with, and we will definitely be using First Horizon in the future, when needed, as well as recommending to our family and friends!
- DDavid W. B.Tampa - FLPosted on 2024-06-30T20:30:40.000Z5.0forTony UmholtzTimely communication at every step. Gail was amazingly helpful and responsive!
- ppilar B.Posted on 2024-06-28T20:59:59.000Z5.0forTony UmholtzI had a fantastic experience with the loan team. They were professional, responsive, and made the entire process smooth and easy. I highly recommend them for their outstanding service!
- MMARIA D. P. B. G.Aventura - FLPosted on 2024-06-28T20:58:49.000Z5.0forTony UmholtzI highly recommend the entire loan team for their outstanding service. They were exceptionally professional and always reachable. The process was smooth and seamless, making our experience truly enjoyable. Thank you for your excellent work!
- KKimberly R. T.Eagan - MNPosted on 2024-06-25T00:17:24.000Z4.0forTony UmholtzPlatform to upload documents was easy to use
- RRahotep A.Posted on 2024-06-19T16:46:01.000Z5.0forTony UmholtzVery professional and made the process smooth.