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.

Producing Branch Manager

Gary Umholtz is your Sonoma local lender. As a loan officer at Guaranteed Rate, one of the largest retail mortgage lenders in the United States, Gary is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Gary at (707) 492-1126 for more information!

Gary Umholtz at Guaranteed Rate (NMLS #302500)

Experienced Mortgage Advisor with a demonstrated history of working in the financial services industry. Skilled in Business Planning, FHA Loans, VA Loans\*, Real Property, New Home Sales, and Mortgage Underwriting. Strong finance professional.


Martin H. Puga NMLS 255646 \| Equal Housing Lender


*\*Guaranteed Rate has no affiliation with the US Department of Veterans Affairs.*

VP of Mortgage Lending

Martin Puga is your Sonoma local lender. As a loan officer at Guaranteed Rate, one of the largest retail mortgage lenders in the United States, Martin is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Martin at (707) 486-9206 for more information!

Martin Puga at Guaranteed Rate (NMLS #255646)

Sonoma

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2 Loan Officers in Sonoma, CA

Gary Umholtz

Martin Puga