About Gary Umholtz
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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Current mortgage rates
Points:
| Loan Type | Rate | APR | Points | Mo. Payment |
|---|---|---|---|---|
| 30-year fixed | 6.625% | 6.945% | 0.807 ($2824.50) | $2241.09 |
| 15-year fixed | 5.750% | 6.174% | 0.619 ($2166.50) | $2906.44 |
| FHA loan | 6.124% | 7.189% | 0.96 ($2930.40) | $1991.28 |
| VA loans | 6.075% | 6.651% | 0.935 ($3820.41) | $2469.50 |
| Jumbo loans | 6.450% | 6.721% | 0.947 ($8523.00) | $5659.05 |
* Rates current as of 3/16/2025 04:00 pm, provided by Gary Umholtz, for Sonoma County, CA, and are subject to change without notice.
Mortgage rates disclaimers
30 year, 15 year rate assumptions
- Purchase price: $437,500
- Down payment: 20.00%
- First Lien Position
- Primary residence
- 760 FICO Score
- 30 day rate lock
- 80.00% LTV ratio
FHA rate assumptions
- Purchase price: $310,880
- Down payment: 3.50%
- First Lien Position
- Primary residence
- 680 FICO Score
- 30 day rate lock
- 96.50% LTV ratio
Jumbo rate assumptions
- Purchase price: $1,200,000
- Down payment: 25.00%
- First Lien Position
- Primary residence
- 760 FICO Score
- 25 day rate lock
- 75.00% LTV ratio
VA rate assumptions
- Purchase price: $400,000
- Down payment: 0.00%
- First Lien Position
- Primary residence
- 680 FICO Score
- 30 day rate lock
- 100.00% LTV ratio
- Must meet eligibility assumptions to qualify
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 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). 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. Refinancing may cause finance charges to be
higher over the life of the loan. Rate, Inc. has no affiliation
with the US Department of Housing and Urban Development, the US Department of Veterans
Affairs, the Nevada Department of Veterans Services, the US Department of Agriculture,
or any other government agency.
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Located at 190 West Napa Street, Suite #101 Sonoma CA, 95476