Headshot of Josh Gullick

Josh Gullick

Branch Manager

San Juan Capistrano, CA Mortgage Lender

NMLS #943522

12396 World Trade Drive, Suite 212
San Diego, CA 92128
Contact Methods
tel Phone
mobile Mobile
(619) 495-9904
fax Fax


About Josh

I’m a dynamic mortgage professional with a degree in economics and a deep passion for financial education and wealth building. With a wealth of experience in home financing, I’ve become an expert in helping individuals and families achieve their homeownership dreams.

What truly sets me apart in this business is my unwavering commitment to nurturing and guiding my team. I firmly believe in imparting the extensive knowledge I’ve gained throughout my career to the next generation of loan officers, with the ultimate goal of empowering our clients to secure the right loan for their homes.

With a fervent belief that financial well-being is the cornerstone of a fulfilling life, I’m dedicated to making a profound impact on the lives of those I serve. Through my expertise, passion, and commitment, I’ll continue to be a driving force in the world of mortgages – helping countless individuals achieve their American dream of homeownership and financial stability.


  • 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.

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.

Recent Posts and Articles


A homeowner with a child on his lap calculating whether to buy a new home or refinance his home loan

Owning a home is fun and fulfilling!

What’s not to love about having a space that is entirely yours? You can paint your bathroom fuchsia, have hardwood in the master, put up a wild Mosaic in the kitchen, install a smart thermostat, you name it. After all, it’s your home!

Equally enjoyable are the other personal and financial advantages of being a homeowner: security and stability, equity and wealth building, and more! I’m here to help you get the most from your home financing — whether you’re buying your first home, moving up or downsizing to match your lifestyle, or refinancing your current mortgage.

Helping your home financing process go smoothly.


  • 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

    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

    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

    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.

Quick Contact Form

Send me a message below or give me a call at 949-272-8274