Instagram story viewer> @garyumholtz> Posts

Gary Umholtz

@garyumholtz

436

followers

1044

following

Avid snow skier, mountain biker, outdoorsman, and mortgage lender. NMLS 302500

POSTS STORIES REELS TAGGED

One home goal. More than one way to get there. Your path to homeownership doesn’t have to look like everyone else’s. I can help you explore the options that may fit your goals.

Let’s talk about what could work for you.

#Homebuying #HomeLoans #Homeownership

NMLS# 302500 by @garyumholtz

0

0

4 days ago

Sometimes the small signs around your home point to a bigger question. Does your space still work for you? Whether you’re thinking about more space, a different setup or what comes next, I can help you explore financing options. If updating your home is part of the plan, a Rate Home Equity Line of Credit (HELOC) can help fund improvement projects. Or if life is leading you elsewhere, I could help you explore homebuying options.

Let’s plan for your next chapter together.

#HomeownershipTips #HELOC

NMLS# 302500 by @garyumholtz

0

0

5 days ago

September home sales were mixed, with sales increasing in the South and West, holding steady in the Midwest and declining in the Northeast compared to last month. Year-over-year sales are down in all four regions, but many buyers are still entering contracts thanks to a 1.9% increase in inventory.

Want to know how to make the most of this evolving market? Let’s talk.

#housingmarket #marketupdate #housingindustry

NMLS# 302500 by @garyumholtz

0

0

5 days ago

How’d you do on this edition of the mortgage pop quiz? The best way to begin your homebuying journey is knowing your budget. A pre-approval serves as a helpful starting point so you can focus on homes you can afford, save time and prevent the decision fatigue that comes with endless options.

I’m here to help you take the guesswork out of the big purchase.

#MortgageTips #Preapproval #Homeownership #HomebuyerEducation #MortgageBasics #Homebuying

NMLS# 302500 by @garyumholtz

0

0

11 days ago

Planning to buy a home in 2027? Time to start the prep now. From building your savings to cleaning up your credit, a few smart moves today can help you get ready for what’s ahead.

Let’s talk about your specific options to create a custom financing plan for you.

#Homebuying #Budgeting #FinancialTips

NMLS# 302500 by @garyumholtz

0

0

12 days ago

Instead of waiting for the market to give you a sign, find what makes sense for you. Remember, there’s no universal green light signaling it’s time to buy your home.

I can help you evaluate your finances, goals and timeline alongside your market’s activity to see when your best moment is.

#MortgageTips #BuyingaHome #Homebuying #HomeLoans

NMLS# 302500 by @garyumholtz

0

0

14 days ago

Plot twist: Your emoji may have opened a new door you hadn’t considered.

All fun and games aside, there are more options out there than the traditional single-family home. Different property types come with different financing considerations. When you’re ready to explore, I’m here to help find what works for you.

Share this with a friend and comment your emoji below!

#Homebuying #Fall2026

NMLS# 302500 by @garyumholtz

0

1

18 days ago

Your rental income can qualify you for a loan on its own, no tax returns required. A DSCR loan is built for real estate investors who want financing based on what their property earns. Down payment options start at 20%, with loans up to $3M and the option to close under an LLC.

Ready to see what your property could qualify for? Let's talk.

NMLS# 302500 by @garyumholtz

0

1

19 days ago

Don’t let the 20% myth stop you. In reality, your down payment may surprise you. I can help you evaluate your options based on your specific circumstances to determine what’s right for you.

Ready to get to the bottom of more mortgage myths?

#MortgageTips #DownPayment #Homeownership #HomebuyerEducation #MortgageBasics #Homebuying

NMLS# 302500 by @garyumholtz

0

1

20 days ago

Buying a home is a team effort. Behind every successful closing is a dedicated group collaborating to achieve the same goal. From you (the buyer) to me (the Loan Officer) and everyone in between, each player takes care of an important role. If you have questions about the homebuying process, I’m happy to discuss them further.

Let’s kick this off together.

#Homebuying #Mortgage #LoanOfficer #HomebuyingJourney

NMLS# 302500 by @garyumholtz

1

0

25 days ago

You don’t always need to put 20% down. While PMI (Private Mortgage Insurance) is often required on certain loans, it’s also a powerful tool that can help qualified buyers purchase their home sooner, without having to wait and save up for a larger down payment. The more you know, the more options you have.

Ready to expand your homebuying vocabulary?

#MortgageLingo #MortgageTerms #MortgageHelp

NMLS# 302500 by @garyumholtz

0

0

a month ago

Home affordability is about more than just your income. By assessing your expenses, debt, savings and goals, I can help you set a realistic budget that actually works for you.

Ready to see how much home you can afford?

#Budgeting #FinancialTips #HomebuyingTips

NMLS# 302500 by @garyumholtz

0

0

a month ago