---
canonical_url: https://lendb.ai/lo/charles-gutierrez-476628
json_url: https://lendb.ai/lo/charles-gutierrez-476628.json
nmls_id: 476628
last_verified: 2026-10-09
---

# Charlie Gutierrez

Loan Officer at CrossCountry Mortgage, Melbourne, FL. NMLS ID 476628 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/476628)).

**Summary:** Charlie Gutierrez (NMLS 476628) is Loan Officer at CrossCountry Mortgage, based in Melbourne, FL. Licensed in Florida, confirmed with the state regulator (license LO46543). Focus areas shown on the lender page: Real estate investor and VA loan. Licensed since 2017 (per Florida records). Last verified 2026-10-09.

## At a glance

- Licensed since 2017 (per Florida records). This is license history on file, not total experience.
- Licensed in: Florida (FL, confirmed)
- License confidence: confirmed = state regulator roster; lender_reported = listed on the lender page only; federal_registration = inferred from a bank or credit union employer.
- Languages: not listed
- Profile: unclaimed
- Status: active

## Specialties

- **Real estate investor** (`investor`): lender page, confidence 0.70, verified 2026-10-09. Source: https://crosscountrymortgage.com/melbourne-fl-8345/charles-gutierrez/
- **VA loan** (`va`): lender page, confidence 0.70, verified 2026-10-09. Source: https://crosscountrymortgage.com/melbourne-fl-8345/charles-gutierrez/

## About

Charlie started his finance career in 2011 after 20 years serving in the U.S. Coast Guard. He focuses on helping clients achieve homeownership goals and has volunteered in youth sports for 14 years.

Source: LenDb summary of the lender page, verified 2026-10-09.

## Facts from the lender page and intro

- years_experience: since 2011. Source: https://crosscountrymortgage.com/melbourne-fl-8345/charles-gutierrez/, verified 2026-10-09.
- community: 14 years volunteering in youth sports, coaching basketball and baseball. Source: https://crosscountrymortgage.com/melbourne-fl-8345/charles-gutierrez/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO46543 | active | confirmed | 2017-08-25 | state_regulator | 2026-10-09 |

## Employment history

- ? to present: CrossCountry Mortgage (NMLS 3029), Melbourne, FL. Source: https://crosscountrymortgage.com/melbourne-fl-8345/charles-gutierrez/, verified 2026-10-09.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/476628

## Contact

- linkedin_url: https://www.linkedin.com/in/CharlieDoesMortgages (source: lender_site, verified 2026-10-09)
- View profile at CrossCountry Mortgage: https://crosscountrymortgage.com/melbourne-fl-8345/charles-gutierrez/
- Office phone and Email on file: shown at https://lendb.ai/lo/charles-gutierrez-476628#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/476628
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://crosscountrymortgage.com/melbourne-fl-8345/charles-gutierrez/

Cite as: Charlie Gutierrez (NMLS 476628), CrossCountry Mortgage. LenDb.ai, https://lendb.ai/lo/charles-gutierrez-476628, last verified 2026-10-09.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._