Gary Umholtz
Producing Branch Manager

I'm originally an East Coaster. Back in the early 80's I was a ski instructor and decided to move West and ended up a Heavenly Valley at Lake Tahoe. From there I moved down to Newport Beach CA where I worked in a few high end restaurants. I carry my love for good food and cooking from that to this day. Before I got too serious with life I tried my hand at acting and appeared on several TV shows. I always knew that I wanted to be in sales because I liked the idea that the harder I worked the more financially successful I'd be, so I studied the craft diligently for many years. In the late 80's and early 90's I started in the real estate business as a Title Rep and then a Mortgage Loan Agent for Security Pacific Bank. Due to my sales experience and training, a friend of mine convinced me to get into the auto industry in the early 90's. For over 10 years I worked for Land Rover North America where we taught selling value over price which was a novel concept for that business. Value selling was very successful for the brand at the time. During my time with Land Rover I opened 5 new Centre's for them and after 18 years in Newport Beach ended up in Sonoma CA. After living in Sonoma for a few years I decided that I had had enough of commuting and after reflecting on my past careers decided to get back in the mortgage industry in 2005. Being in the mortgage industry is the most rewarding in that I love helping folks through the process of what is likely the biggest financial transaction of their lives. It's important to me to give back to the community that I live in. I've been a Mentor with the Sonoma Valley Mentoring Alliance for over 10 years now and I also am very active with the Rotary Club here in Sonoma which is the premier community service organization. I have an 18 year old daughter, 2 yellow Labrador retrievers and a German shepherd. I love small town living in Sonoma.

Helpful tools and resources
The Best Mortgage Experience logo
The Best Mortgage Experience
First-time homebuyer’s guide logo
First-time homebuyer’s guide
Mortgage calculators logo
Mortgage calculators
Loan options logo
Loan options

Recent reviews

What people are saying
A HELOC with a fixed rate you can count on.
Our Home Equity Line of Credit (HELOC) can help you fund home improvements & consolidate debt.
Agent Advantage
Real Estate Agents: Want to look good and grow your business?
Put our power behind your bid. Compete with cash offers and bid, buy, and close fast.
loading rates table

Loading Rates...

Today's rates

Loan typeRateAPRDiscount points ($)Mo. payment

This is NOT a mortgage loan approval or commitment to lend. The actual fees, costs, and monthly payment on your specific loan transaction may vary, and may include city, county, or other additional fees and costs.

Mortgage rates are offered exclusively through Guaranteed Rate and are subject to change without notice. If the down payment is less than 20%, mortgage insurance may be required and could increase the monthly payment and APR. The payment amount does not include homeowners’ insurance, flood insurance (if applicable), or property taxes that must be paid in addition to your loan payment. The displayed Annual Percentage Rate (APR) is a measure of the cost to borrow money expressed as a yearly percentage. For mortgage loans, excluding home equity lines of credit, it includes the interest rate plus other charges or fees (such as mortgage insurance, discount points, and origination charges). For home equity lines, the APR simply reflects the interest rate. When shopping for a mortgage, you can use the APR to compare the costs of similar loans between lenders.

One discount points equals one percent of your loan amount.

Some jumbo loan options may not be available to first-time home buyers.

We based the mortgage interest rates shown on a 30-day rate lock period. Under certain circumstances, a 30-day rate lock may not be available. When you apply, you can choose to lock or float your interest rate range.

Mortgage rates and loan options displayed depend on a number of variables, including the accuracy of the information you have entered, which is subject to verification, credit and property approval.

These mortgage rates are based upon a variety of assumptions and conditions, which include a consumer credit score that may be higher or lower than your individual credit score.

Your loan's interest rate will depend upon the specific characteristics of your loan transaction and your credit history up to the time of closing.


If you meet the eligibility requirements of the VA program, gifts or grants may be used for down payments. Up to 100% financing may be available for qualified borrowers. Most VA loans require the borrower to pay a 'funding fee'. This fee may be paid out of pocket or financed into the loan amount. At the direction of the United States Congress and the Department of Veterans Affairs VA Funding Fees may increase or decrease without notice. Guaranteed Rate, Inc. is a private corporation organized under the laws of the State of Delaware. It has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture, or any other government agency.

Adjustable Rate Mortgage (ARMs)

Interest rates and payments may increase after consummation. After the initial fixed period, your interest rate may change periodically according to the market index. Any change may significantly impact your monthly payment. Since the index in the future is unknown, the First Adjusted Rate and Payments displayed are based on the current index plus the margin (fully indexed rate) at time of scenario/disclosure. Before choosing an ARM, you should decide if you can manage the maximum estimated payment if the rate increases. To fully understand minimum and maximum payments, please speak to a mortgage loan expert.