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.

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

H

Hunter R.  

Posted on 2024-12-21T15:44:03.000Z

5.0 ★ ★ ★ ★ ★

for

Tony Umholtz

Everyone on the team was competent, confident and friendly!

H

Hunter O. R.  

Saint Charles - MO

Posted on 2024-12-21T15:43:43.000Z

5.0 ★ ★ ★ ★ ★

for

Tony Umholtz

Everyone on the team was competant, confident and friendly.

M

Melissa V.  

Posted on 2024-12-20T15:37:46.000Z

5.0 ★ ★ ★ ★ ★

for

Tony Umholtz

M

Melissa V.  

Woodstock - GA

Posted on 2024-12-20T15:37:39.000Z

5.0 ★ ★ ★ ★ ★

for

Tony Umholtz

Our agent was great!

P

Prithi D.  

Orlando - FL

Posted on 2024-10-02T00:58:53.000Z

5.0 ★ ★ ★ ★ ★

for

Tony Umholtz

The whole team is super efficient and very friendly. The process can be tedious but the people involved made it very easy.

s

simar B.  

Posted on 2024-09-23T12:59:48.000Z

5.0 ★ ★ ★ ★ ★

for

Tony Umholtz

We 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.

S

Sukhmani K. C.  

Wesley Chapel - FL

Posted on 2024-09-23T12:56:36.000Z

5.0 ★ ★ ★ ★ ★

for

Tony Umholtz

It 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!

M

Michael R. P.  

Saint Petersburg - FL

Posted on 2024-09-14T13:42:21.000Z

5.0 ★ ★ ★ ★ ★

for

Tony Umholtz

Tony's group was very easy to work with

J

John H. D.  

Palm Harbor - FL

Posted on 2024-09-11T21:18:33.000Z

5.0 ★ ★ ★ ★ ★

for

Tony Umholtz

Gail Daly !!!!!!!!!

M

Melissa E.  

Posted on 2024-09-02T17:04:08.000Z

5.0 ★ ★ ★ ★ ★

for

Tony Umholtz

M

Melissa R. E.  

Royal Palm Beach - FL

Posted on 2024-09-02T17:04:01.000Z

5.0 ★ ★ ★ ★ ★

for

Tony Umholtz

Great communication, always accessible. process was smooth and stress-free

N

Nick F.  

Plant City - FL

Posted on 2024-09-02T14:02:27.000Z

4.0 ★ ★ ★ ★

for

Tony Umholtz

The 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.

H

H H.  

Posted on 2024-08-30T14:23:38.000Z

5.0 ★ ★ ★ ★ ★

for

Tony Umholtz

S

Sanghong P.  

Lavon - TX

Posted on 2024-08-30T14:23:31.000Z

5.0 ★ ★ ★ ★ ★

for

Tony Umholtz

Very nice working with

J

Jericho C.  

Tampa - FL

Posted on 2024-08-02T16:32:49.000Z

5.0 ★ ★ ★ ★ ★

for

Tony Umholtz

Buying 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.

N

Nicole C.  

Tampa - FL

Posted on 2024-08-02T13:11:16.000Z

5.0 ★ ★ ★ ★ ★

for

Tony Umholtz

Everyone 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.

A

Arjun R.  

Posted on 2024-08-01T16:21:23.000Z

5.0 ★ ★ ★ ★ ★

for

Tony Umholtz

First 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.

A

Arjun R.  

Tampa - FL

Posted on 2024-08-01T16:18:33.000Z

5.0 ★ ★ ★ ★ ★

for

Tony Umholtz

The team was extremely responsive, proactive, knowledgeable, and kind. Excellent service.

N

Neil J. M.  

Bradenton - FL

Posted on 2024-07-30T17:58:01.000Z

5.0 ★ ★ ★ ★ ★

for

Tony Umholtz

Cindy C. Bishop