Get up-to-date information and assistance from our COVID-19 Resource Guide.

headshot
Gary Umholtz
VP of Mortgage Lending
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 ...
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.

See how easy our Digital Mortgage works

Recent Reviews

What people are saying

Mortgage Calculator

See how much home you can afford to buy in just 90 seconds
Agent Advantage
Real Estate Agents: Want to look good and grow your business?
Marcus by Goldman Sachs
Consolidate your debt and potentially lower your interest rates
loading rates table

Today's Rates

Loan TypeRateAPR

*Rates may vary by state.

Check rates and get approved online right now in just minutes! Or give me a call and I'll answer your questions and guide you through the process!