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Your Local CrossCountry Mortgage Loan Officer

Charlie Gutierrez

  • Loan Officer
  • Melbourne, FL Mortgage Loan Officer
  • NMLS #476628

Dedicated to getting it done

Hi, I’m Charlie and I started my finance career in 2011 after separating from Active Duty. I spent 20 years serving in the U.S. Coast Guard, where I learned the meaning of serving my community. Whether you’re looking to finance your first home, your next home, or an investment for your future, I care deeply about ensuring your goals are achieved. When you work with my Melbourne, FL team, you can count on us to explain the process, answer your questions, and walk with you from our first conversation to closing.

When it comes to finding the right loan for you, I start by listening. We’ll discuss your goals and priorities to find the product that fits your plans. At America’s #1 Retail Mortgage Lender, we offer a wide range of home loans, from conventional and jumbo to FHA and VA. Together, we’ll achieve your homeownership dreams.

Off the clock, I’ve spent the last 14 years volunteering in youth sports. I especially love coaching my two boys in basketball and baseball.

My social posts

Charles Gutierrez - CrossCountry Mortgage Charlie Gutierrez - CrossCountry Mortgage
Your homebuyers will eventually be home sellers, and you’ll want to be there for that moment, too. We’ve got resources for the whole life of your client’s loan so you meaningfully stay in touch. 🏡
Charles Gutierrez - CrossCountry Mortgage Charlie Gutierrez - CrossCountry Mortgage
What’s more exciting than buying a home? Paying it off. Explore how biweekly payments could help you save money and pay off your mortgage sooner with our calculator. 💸 http://spr.ly/6188A9t88
Charles Gutierrez - CrossCountry Mortgage Charlie Gutierrez - CrossCountry Mortgage
Pending home sales rose in August! Buyers are still out there and ready to move when opportunity knocks — especially in the Midwest. Let’s connect about empowering our clients with confidence and clarity. 🙌
Charles Gutierrez - CrossCountry Mortgage Charlie Gutierrez - CrossCountry Mortgage
Benefit today! Conventional loan limits won’t change until January 1, 2026, but we’ll honor higher projected loan limits now: Up to $819,000 for a 1-unit property. Finance a higher-priced home without the requirement...
Charles Gutierrez - CrossCountry Mortgage Charlie Gutierrez - CrossCountry Mortgage
Be the one. Wondering how? Keeping strong connections, capitalizing on referrals and partnering with a trusted lender is a great place to start. 🤝

How much will my mortgage payment be?  

This calculator is being provided for educational purposes only. The results are estimates based on information you provided and may not reflect CrossCountry Mortgage, LLC product terms. The information cannot be used by CrossCountry Mortgage, LLC to determine a customer’s eligibility for a specific product or service.

Frequently asked questions

  • Refinancing costs typically range from 2% to 6% of the loan amount and include fees such as appraisal, title insurance, and closing costs. Factors like your loan type, location, and credit score can significantly impact these expenses. Our team can help to provide strategies that can help minimize costs.

    Learn more

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