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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.

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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, Inc. and are subject to change without notice. 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).

Product Assumptions:

Conforming: Sample monthly payments for conforming loan products are based on a purchase price of $437,500, and a down payment of 20.00%. Advertised rates and APRs are subject to change without notice. Above scenarios assume a first lien position, 750 FICO score, 30 day rate lock on a primary residence.

Jumbo: Sample monthly payments for jumbo loan products based on a purchase price of $1,200,000, and a down payment of 25.00%. Advertised rates and APRs are subject to change without notice. Above scenario assumes a first lien position, 760 FICO score, 25 day rate lock on a primary residence.

FHA: Sample monthly payments are based on a purchase price of $310,880, and a down payment of 3.50%. Advertised rates and APRs are subject to change without notice. Above scenario assumes a first lien position, 680 FICO score, 30 day rate lock on a primary residence.

VA: Sample monthly payments are based on a purchase price of $400,000, and a down payment of 0.00%. Advertised rates and APRs are subject to change without notice. Sample does not include VA funding fee (max VA funding fee of 3.3%). Above scenario assumes a first lien position, 680 FICO score, 30 day rate lock on a primary residence. Must be an eligible veteran. Subject to underwriting guidelines and applicant's credit profile.

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.

One discount points equals one percent of your loan amount.

Guaranteed Rate, Inc. 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.