Gary Umholtz

Great service

Gary was very easy to deal with and responsive.

Oct 10, 2025

Gary and the whole Rate team made the whole experience seamless. Gary is your advocate and makes things happen. Quick responses and is a patient teacher along the way. The rate app works great. I’m amazed that I could do most of the application process on my phone while traveling! We recommend without hesitation!

Aug 27, 2025

Gary was great. With the help of his team getting the application completed and loan approved was as painless as possible. We waited and watched rates and ultimately decided to pull the Trigger and we are very happy with the results.

Gary and Mike and your entire team never missed a beat. There were a few bumps in the road which they personally took care of so everything works smoothly. I would highly recommend them for anyone interested in using Guaranteed Rate.

Tight timeline due to 15 day close and personal reasons and the team was on top of everything!

Gary Umholtz -- He was super communicative and helpful, talking us new homebuyers through every step.

Easiest loan I ever did

Quick, easy and straightforward. The process was explained to me well and I thought the app was simple and intuitive to use

Mar 7, 2025

Gary and his team at Guaranteed Rate were kind, helpful and clear. They were a great support through the process of our family buying our home and we highly recommend them to anyone looking for a loan.

Easy to work with

easy and friendly

Good team, fast/easy process.

Gary Umholtz is the best!

Every aspect of their service and attention to detail was top notch from beginning to end.

Joe Cardova and his team has done an excellent job in assisting me getting this loan.

Excellent service, great communication

They made everything super simple and easy. They were always available for any questions I had and made me feel safe and taken care of.

Gary was extremely responsive and helped us with a challenging short timeline.

Gary Umholtz and the team we work with we absolutely amazing and they really took care of us every step of the way.

Great job!

Gary was fantastic. He really looked for what was best for us.

excellent service

Gary was great!

Gary was great to work with. Quick with communication, honest, and helpful with all our questions. We were searching for the perfect home for a while and Gary was always great about helping us know where we stood with different purchase prices ect.

Excellent service. Knowledgeable team

Gary was amazing

Gary was great

Gary Umholtz and the team's care and expediency was amazing. They were fast, communicative, and easy to work with. They answered all my questions and really made me feel at ease throughout the entire process.

Nov 13, 2024

Gary and the full team are great. Really enjoyed working with them!

Dec 29, 2023

Gary was exceptional! He made what is usually a confusing and frustrating process seem easy and comprehendible. He was always available and willing to answer any questions or address concerns I had and talk me through multiple scenarios to ensure I was prepared when making decisions.