Charles Gutierrez CrossCountry Mortgage, LLC

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 customers. He has a broad range of programs available for everyone in different circumstances. He is very down to earth and easy to work with giving you an honest approach to all questions you could possibly have and providing solutions for all hiccups that are normal to the loan process. I highly recommend Charlie for all your loan needs. He has a great team that deliver fast results. Give him a try.

Charlie has been outstanding to work with—not just once, but twice! He made my first home-buying experience incredibly smooth, handling everything quickly while securing the best rate possible. His communication was top-notch, always available to answer any questions, no matter how small. As fellow servicemembers, his camaraderie and support were evident throughout the process, making it feel like I had someone truly looking out for me. When it came time to purchase my second property, I didn’t hesitate to work with Charlie again. If anything, the experience was even better than the first—fast, seamless, and stress-free. If you’re looking for a mortgage professional who is knowledgeable, dedicated, and always has your best interests at heart, Charlie is the one to call. I’ll definitely be

Charlie at CrossCountry Mortgage was amazing to work with for our home purchase in Satellite Beach! We're relocating with the Coast Guard and had to do almost everything remotely and he made the process feel easy and stress-free. He was super responsive, always took the time to answer our questions, and met with us during a quick trip to the area. He worked really well with our agent and helped us close quickly. We’re grateful to have had his support throughout the process and would definitely recommend him to anyone!

I had an outstanding experience working with Charlie throughout my loan process. From start to finish, he was incredibly professional, knowledgeable, and responsive. He not only secured excellent interest rates for me, but also explained my options clearly and helped me make informed decisions with confidence. Charlie was always one step ahead—fast, efficient, and consistently courteous. His communication was seamless, and he made what could have been an overwhelming process feel smooth and manageable. I especially appreciated how approachable and easy he was to work with. His entire team was equally supportive and helpful, creating a truly seamless experience. I’m so grateful for Charlie’s dedication and expertise, and I wouldn’t hesitate to recommend him to anyone looking for top-tier se

We used Charlie to secure a VA home loan and will do so for future purchases as well! He is a true professional who, thankfully, made the process so, so easy for us. Charlie made it clear from the get-go that he had our best interest at heart and we are grateful for such a seamless process! We highly recommend working with Charlie!