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  • 6023 Farcenda Place, Suite 102 Melbourne, FL 32940 Mobile (321) 508-6330 Tel (321) 250-5893 Charlie.Gutierrez@ccm.com

Your Local CrossCountry Mortgage Loan Officer

Charlie Gutierrez

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

Streaming Content
Charles Gutierrez - CrossCountry Mortgage Charlie Gutierrez - CrossCountry Mortgage
May 13
Homebuying is a team sport. Finding an agent who fits your needs, understands your goals and helps you make the best decisions is the key to winning. We’ve got plenty of recommendations – just ask! h...
Charles Gutierrez - CrossCountry Mortgage Charlie Gutierrez - CrossCountry Mortgage
Apr 15
Moving to a new state should be an adventure, not a challenge. Let’s chat about getting you from here to there. http://spr.ly/6184FpWWM 🌎
Charles Gutierrez - CrossCountry Mortgage Charlie Gutierrez - CrossCountry Mortgage
Feb 18
Buying a condominium isn’t just about buying a home; it’s about investing in a new lifestyle. The right home loan, and the right property, can give you access to a unique community and shared amenities. Interested? Let’s ch...
Woman researching loan officers to find the right financing parter

Your Mortgage Expert

Navigating the mortgage loan process is exciting – and easy – with the right home financing partner. When you work with CrossCountry Mortgage, you’ll collaborate closely with a licensed mortgage loan officer. We want to make sure you receive a competitive rate, and a fast, simple experience. Why? Our goal is to be your mortgage lender of choice for years to come. 

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.

Man relaxing on couch in living space reads about Bye-Bye PMI product on cell phone.
Friends enjoying dinner in an updated kitchen after completing home improvements with the help of CCM Equity Express.
Military member coming home to his daughter in his VA-funded home.

Save on Your Mortgage Every Month

Say Bye-Bye PMI 

Typically, when your down payment is less than 20%, you have to pay monthly private mortgage insurance (PMI). 

CCM Bye-Bye PMI offers qualified borrowers a conventional loan for as little as 15% down without PMI. That’s monthly mortgage savings and a smaller down payment, giving you more purchasing power.

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Tap into your home equity – fast

Would you like to improve your home, pay off higher-interest debt, finance education, or pay for other major expenses? A home equity line of credit (HELOC) can provide the money you need using your home equity. 

With CCM Equity Express, the process is fast, secure, and fully automated. Simply take 5 minutes to apply and get 100% of your loan amount in as few as 5 days. 

Get Started – Fixed Get Started – Flex

Come Home With a VA Loan

Did you know VA mortgage loans are not only for Veterans? Qualified Active-Duty Military, National Guard, Reservists, and Surviving Spouses can take advantage of this important benefit. VA loans offer 100% financing without mortgage insurance, and the VA benefit is re-usable. 

Purchase or refinance, contact me to learn more. 

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Inspiration for your home loan journey

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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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