Headshot of Charlie Gutierrez

Charlie Gutierrez

Loan Officer

Melbourne, FL Mortgage Lender

NMLS #476628

Adress
6023 Farcenda Place, Suite 102
Melbourne, FL 32940
Contact Methods
Email
mobile Mobile
(321) 508-6330
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Awards

BBB Accredited Business A+
Inc. 5000
CCM United States Veteran badge
CCM United States Veteran badge
Top Mortgage Lender badge
Mortgage Bankers Association Member

About Charlie

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, next home, or an investment for your future, I care deeply about ensuring your needs are met. You can count on me to explain the process, answer your questions, and walk with you from our first conversation to closing.

When it comes to finding the right home financing for you, I start by listening. We’ll discuss your goals and priorities to find the product that fits your needs. I offer a wide range of loans, from conventional and jumbo to FHA and VA. Together, we’ll achieve your homeownership goals.

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.

Specialties

  • Purchase and Refinance
  • Purchase
  • Refinance Loans
Equal Housing Opportunity

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.

CCM Equity Express, is fast, secure, and fully automated. A few minutes to apply, a few days to get your funds. That's all it takes.

A homeowner and child waving goodbye to mortgage insurance with Bye-Bye PMI

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 mortgage for as little as 15% down without PMI. That’s monthly mortgage savings and a smaller down payment, giving you more purchasing power.

Start Here

First-time homebuyers and their child playing in their new home

First-time homebuyers:
Get up to $5,250!

There’s no greater feeling than moving into your first home. Getting the keys, opening the front door, making the home your own – all things we want you to experience!

CCM Smart Start will contribute up to $5,250 toward those good feelings. With CCM Smart Start, we’ll cover 2% of the purchase price (up to $5,250) for the down payment so your homeownership dream can come to life.

For terms and conditions, visit
crosscountrymortgage.com/loan-types/programs/ccm-smart-start

Get Started

Recent Posts and Articles

Blog

Helping your home financing process go smoothly.

Resources

  • The Mortgage Process

    The Mortgage Process

    There are some major milestones on your road to home financing. As your loan officer, I’ll be with you every step of the way to make sure you understand each one and get through them quickly.

  • Payment Calculator

    Payment Calculator

    How much will your mortgage payment be? How much can you save if you refinance? Is it better to buy than rent? Use these online calculators to crunch the numbers and see for yourself.

  • Find the Right Loan

    Find the Right Loan

    I separate myself from other lenders by offering a broader selection of home financing options — from loans for first-time homebuyers to refinance programs for accessing your home’s equity.

  • Home Loan Check List

    Home Loan Check List

    Before you explore the endless options of home financing, some preparation is in order. Planning ahead for your mortgage is the key to an easier and more successful home financing process.

Inspiration for your home loan journey.

GALLERY

Your Mortgage Expert

A Lender You Can Trust

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