Daniel Sullivan at Guaranteed Rate (NMLS #1981212)

Rate is one of the largest retail mortgage lenders in the United States. Founded in 2000 and licensed in all 50 states and Washington, D.C., we are 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 one of our trusted loan officers today for more information!

Mike Brouse is a Reverse Mortgage Specialist and HECM Advisor with 25+ years of mortgage experience and deep expertise in FHA-insured HECM loans and proprietary reverse mortgage solutions for homeowners 55+. Licensed in CA, WA, CO, and AZ, he helps clients unlock home equity to support retirement planning, eliminate monthly payments, or purchase a new home. Known for transparency and education-first guidance, Mike partners with homeowners, financial advisors, and real estate professionals seeking trusted reverse mortgage insight.

Gary Umholtz is your Sonoma local lender. As a loan officer at 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!