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Charlie Gutierrez at CrossCountry Mortgage
Loan Officer | NMLS #476628
Your homeownership journey deserves personal guidance. As a dedicated mortgage loan officer in Melbourne, FL. I’m here to give you just that. Whether you’re a first-time homebuyer looking for a mortgage lender or a Veteran homeowner conside... Show More
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Reviews from Web
Charlie and his team were very transparent and communicative throughout the entire process. We felt we could trust them and that they were fighting for our best financial interests. I would gladly work with Charlie again and I'll refer my family...
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Reply from Charlie Gutierrez at CrossCountry M...
May 31st, 2026 04:17 PM
Thank you, Mr. Mark! I appreciate the trust you placed in me and my team. As a fellow Coastie, it was especially rewarding to help with your move to the Space Coast. Welcome to Florida, and I’m glad I could help make the transition a smooth...
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I recently closed on my old and a new home back to back, and the entire experience was nothing short of amazing. From start to finish, everything went smoothly, efficiently, and with a level of professionalism that truly exceeded our expectations...
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Reply from Owner
April 2nd, 2026 02:53 PM
Torben, I really appreciate you sharing this.Working with you again meant a lot, especially with our history from CG Station Port Canaveral. Getting your previous condo sold after it had been sitting, then turning around and helping you secure...
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Communication was off the charts every step of the way.
Reply from Owner
February 23rd, 2026 11:28 PM
I really appreciate your feedback, Marco. Keeping communication clear and consistent was a priority, and I'm glad it made a difference in your experience. If there's ever anything more I can assist you with, feel free to reach out.
Everything! Accessibility and thorough explanation. Clear and concise communication.
Reply from Charlie Gutierrez at CrossCountry M...
February 14th, 2026 08:29 PM
I appreciate your feedback, Denise. I'm glad to hear we met your expectations. Providing clear and thorough explanations is always a priority for me, and it's wonderful to know that it made a difference in your experience.
I have now used Charlie in two different occasions. First to refinance my house taking cash out and the second to buy a second home. In both occasions Charlie not only exhibited knowledge and professionalism, he showed his loyalty to repeat...
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Reply from Owner
November 12th, 2025 03:49 PM
Thank you for sharing your experiences, Roger. It's important to me to provide tailored solutions and a straightforward approach, and I'm glad this made a difference in your loan processes. Your recommendation means a lot, and I'm here to support...
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Charlie does an amazing job at keeping you on the loop, and guide you step by step on what you need to make the process as smooth as it can be!
Charlie was very through, helpful, always welcomed my questions and walked me through the whole process!
Reply from Charlie Gutierrez at CrossCountry M...
October 20th, 2026 09:15 PM
Thank you so much, Lissette! It was a pleasure working with you. I'm glad I could help make the process easier and answer your questions along the way. I truly appreciate your trust in me and my team!
Charlie was extremely transparent, helpful and communication was amazing. Helped us get an seamless easy enjoyable experience purchasing our 1st home. The options he presented made it very understandable and user friendly. I will definitely...
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Reply from Owner
October 20th, 2026 09:16 PM
Thank you so much, Nicholas! It was a pleasure helping you purchase your first home. I'm glad we could make the process smooth and easy to understand. I truly appreciate your trust in me and my team, and any referrals you send our way. Congratulations...
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Charlie was very
patiend answering all of my questions and made my closing a smooth transitio!
Reply from Charlie Gutierrez at CrossCountry M...
August 17th, 2026 01:11 AM
I'm glad to hear that I could assist in making your closing a smooth transition, Sandi. Thank you for your kind words, and welcome back to Florida!
Charlie was great about keeping everyone informed throughout the entire transaction and seemed to always be a step ahead.He also save my buyer 1% on her mortgage saving her more money each month.
Reply from Charlie Gutierrez at CrossCountry M...
August 3rd, 2026 01:51 PM
I appreciate your feedback, Colin. I'm glad to hear that you valued the communication and that we could help save on her mortgage. Your satisfaction is important to me, and I'm happy to have been of assistance throughout the transaction.
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About
Your homeownership journey deserves personal guidance. As a dedicated mortgage loan officer in Melbourne, FL. I’m here to give you just that. Whether you’re a first-time homebuyer looking for a mortgage lender or a Veteran homeowner considering a refinance, I provide a selection of mortgage loan options to fit your goals. FHA loans, VA loans, conventional loans, and jumbo mortgages are just a few I offer to help you navigate home financing with confidence. From application to closing, I’ll give you a transparent process with clear communication and expert advice every step of the way. Together, we’ll bring your homeownership dreams to life. NMLS #476628 | Branch NMLS #2533060
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Conventional Home Loan
Specialities
Conventional Loans
FHA Loans
VA Loans
USDA Loans
Jumbo Loans
Adjustable-Rate Mortgages (ARMs)
Fixed-Rate Mortgages
Reverse Mortgages
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Positions
- US Coast Guard - Machinery Technician PO1Jul 17th, 2001 - Mar 1st, 2022
Memberships
- North Florida PGA of America
- Space Coast Association of Realtors
- Mortgage Bankers Association
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Year Started
2011
Time Zone
Eastern Standard Time (EST)
Licenses
- 476628
Awards
Achievements
- USCG Achievement Medal
Hobbies
- Golf
- Cars
- Sports
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Disclaimer
CrossCountry Mortgage, LLC
2160 Superior Avenue, Cleveland, OH 44114
NMLS3029 | MB.803095