Gullick Group - Loan Officer Team

Gullick Group - Loan Officer Team We are here to help you get the best home loan for your financial and future goals. 15+ years exp.
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Josh Gullick, Originating Branch Manager, NMLS ID #943522 | Branch NMLS ID # 1790854 | CrossCountry Mortgage LLC NMLS ID # 3029

Let’s bust a few myths we see in our DMs all the time 👇❌ “I need 20% down.”Nope. Many buyers purchase with 3–5% down. So...
06/08/2026

Let’s bust a few myths we see in our DMs all the time 👇

❌ “I need 20% down.”

Nope. Many buyers purchase with 3–5% down. Some qualify for assistance.

❌ “I have to have perfect credit.”

Nope. We have loan programs for a wide range of scores — and we can help you build a plan to improve.

❌ “I should wait until I make more money.”

Not always. Home prices and rents don’t wait. Sometimes getting in sooner = building equity sooner.

If you’ve been holding back because of one of these, let’s talk through your actual situation using your income, your debt, and your goals.

Josh Gullick, Originating Branch Manager, NMLS ID #943522 CrossCountry Mortgage LLC NMLS ID # 3029
This communication is for informational purposes only; this is not a commitment to lend. All loans are subject to buyer and property qualification. All programs, rates and fees are subject to change or cancellation at any time and without notice. Contact CrossCountry Mortgage LLC to learn more about mortgage products and your eligibility. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. Equal Housing Opportunity | www.nmlsconsumeraccess.org

If you paused your home search last year, that wasn’t a failure — it was a rational response to a tough market.Higher ra...
06/05/2026

If you paused your home search last year, that wasn’t a failure — it was a rational response to a tough market.

Higher rates made affordability harder, especially for first-time buyers and move-up buyers juggling bigger life changes.

What’s different now is that the pressure has started to ease. The numbers look different. And when the numbers change, so do the options.

Revisiting doesn’t mean committing. It just means staying informed.

Josh Gullick, Originating Branch Manager, NMLS ID #943522 CrossCountry Mortgage LLC NMLS ID # 3029
This communication is for informational purposes only; this is not a commitment to lend. All loans are subject to buyer and property qualification. All programs, rates and fees are subject to change or cancellation at any time and without notice. Contact CrossCountry Mortgage LLC to learn more about mortgage products and your eligibility. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. Equal Housing Opportunity | www.nmlsconsumeraccess.org

The biggest advantage buyers have right now isn’t speed — it’s awareness.Understanding where the market stands before co...
06/03/2026

The biggest advantage buyers have right now isn’t speed — it’s awareness.

Understanding where the market stands before competition ramps up gives you more room to choose thoughtfully.

That space is valuable.

Josh Gullick, Originating Branch Manager, NMLS ID #943522 CrossCountry Mortgage LLC NMLS ID # 3029
This communication is for informational purposes only; this is not a commitment to lend. All loans are subject to buyer and property qualification. All programs, rates and fees are subject to change or cancellation at any time and without notice. Contact CrossCountry Mortgage LLC to learn more about mortgage products and your eligibility. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. Equal Housing Opportunity | www.nmlsconsumeraccess.org

You may not have noticed it yet — but something important just changed.Mortgage rates quietly dipped into the 5s again. ...
06/01/2026

You may not have noticed it yet — but something important just changed.

Mortgage rates quietly dipped into the 5s again. That hasn’t happened in about three years.

And while that might sound like “just a number,” it’s actually a shift that opens doors for a lot of buyers who felt priced out not that long ago.

Sometimes the best opportunities don’t arrive with fireworks. They arrive quietly — and reward the people who pay attention early.

Josh Gullick, Originating Branch Manager, NMLS ID #943522 CrossCountry Mortgage LLC NMLS ID # 3029
This communication is for informational purposes only; this is not a commitment to lend. All loans are subject to buyer and property qualification. All programs, rates and fees are subject to change or cancellation at any time and without notice. Contact CrossCountry Mortgage LLC to learn more about mortgage products and your eligibility. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. Equal Housing Opportunity | www.nmlsconsumeraccess.org

A $300 difference per month doesn’t sound dramatic until you imagine what it changes.That’s groceries.That’s savings.Tha...
05/29/2026

A $300 difference per month doesn’t sound dramatic until you imagine what it changes.

That’s groceries.
That’s savings.
That’s flexibility in your budget instead of stress.

Small shifts in rates can have a big impact on real life — not just spreadsheets.
And that’s why we’re seeing buyers slowly step back into the market with more confidence.

Josh Gullick, Originating Branch Manager, NMLS ID #943522 CrossCountry Mortgage LLC NMLS ID # 3029
This communication is for informational purposes only; this is not a commitment to lend. All loans are subject to buyer and property qualification. All programs, rates and fees are subject to change or cancellation at any time and without notice. Contact CrossCountry Mortgage LLC to learn more about mortgage products and your eligibility. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. Equal Housing Opportunity | www.nmlsconsumeraccess.org

Big goals. Smart numbers. And a mortgage team that actually makes the process feel fun. 🏡✨Whether you’re buying your fir...
05/28/2026

Big goals. Smart numbers. And a mortgage team that actually makes the process feel fun. 🏡✨

Whether you’re buying your first home, refinancing, or planning your next move, Josh Gullick is here to help make the numbers make sense — with clear communication, smart options, and a strategy built around your future.

Because home financing should feel exciting, not overwhelming.

Clarity changes everything.When clients understand their options, feel supported, and know they’re working with someone ...
05/27/2026

Clarity changes everything.

When clients understand their options, feel supported, and know they’re working with someone who truly listens, the entire mortgage process feels different.

Josh’s approach is rooted in transparency — breaking down the numbers, presenting clear choices, and staying responsive from start to finish. That way, clients can move forward confidently, knowing they’re making the right decision for their goals.

Hearing that someone felt supported every step of the way — and would recommend our team without hesitation — is the highest compliment we could receive.

If you’re buying, refinancing, or simply want to explore your options with a team that prioritizes clarity and care, we’re always here to help.

Josh Gullick, Originating Branch Manager, NMLS ID #943522 CrossCountry Mortgage LLC NMLS ID # 3029
This communication is for informational purposes only; this is not a commitment to lend. All loans are subject to buyer and property qualification. All programs, rates and fees are subject to change or cancellation at any time and without notice. Contact CrossCountry Mortgage LLC to learn more about mortgage products and your eligibility. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. Equal Housing Opportunity | www.nmlsconsumeraccess.org

Online lenders can quote you — but they can’t always win the deal for you.Here’s why working with a local, highly respon...
05/25/2026

Online lenders can quote you — but they can’t always win the deal for you.

Here’s why working with a local, highly responsive team like ours matters:
• agents know us and trust our approvals
• we know what underwriters in this area look for
• we can move faster when timelines are tight
• we pick up the phone (buyers AND agents notice)
• we help you strategize for this market, not just “the U.S.”

If you want your offer to stand out — especially in San Diego and surrounding markets — having a strong local lender can make the difference.


Josh Gullick, Originating Branch Manager, NMLS ID #943522 CrossCountry Mortgage LLC NMLS ID # 3029
This communication is for informational purposes only; this is not a commitment to lend. All loans are subject to buyer and property qualification. All programs, rates and fees are subject to change or cancellation at any time and without notice. Contact CrossCountry Mortgage LLC to learn more about mortgage products and your eligibility. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. Equal Housing Opportunity | www.nmlsconsumeraccess.org

One of the biggest insights from this year’s market reports?Homeowners have more equity than they think — and they’re us...
05/22/2026

One of the biggest insights from this year’s market reports?

Homeowners have more equity than they think — and they’re using it to make moves.

That can look like:
• selling and using equity as a bigger down payment
• pulling cash out for renovations
• paying off higher interest debt
• or finally moving into the neighborhood you actually wanted

If you’re equity rich but cash conscious, we can help you structure a move that makes sense for right now, not “someday.”

Josh Gullick, Originating Branch Manager, NMLS ID #943522 CrossCountry Mortgage LLC NMLS ID # 3029
This communication is for informational purposes only; this is not a commitment to lend. All loans are subject to buyer and property qualification. All programs, rates and fees are subject to change or cancellation at any time and without notice. Contact CrossCountry Mortgage LLC to learn more about mortgage products and your eligibility. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. Equal Housing Opportunity | www.nmlsconsumeraccess.org

One thing we hear again and again from clients is how much clarity matters.Applying for a new loan or refinancing can fe...
05/20/2026

One thing we hear again and again from clients is how much clarity matters.

Applying for a new loan or refinancing can feel overwhelming when you don’t fully understand your options. That’s why our team takes the time to explain the details, walk through the scenarios, and make sure nothing feels rushed or confusing.

Exceeding expectations isn’t about doing more for the sake of it — it’s about making sure clients feel informed, supported, and confident in the decisions they’re making.

Whether you’re buying, refinancing, or simply exploring what’s possible, our team is here to guide you through every option and help you choose what truly makes sense for your goals.

Josh Gullick, Originating Branch Manager, NMLS ID #943522 CrossCountry Mortgage LLC NMLS ID # 3029
This communication is for informational purposes only; this is not a commitment to lend. All loans are subject to buyer and property qualification. All programs, rates and fees are subject to change or cancellation at any time and without notice. Contact CrossCountry Mortgage LLC to learn more about mortgage products and your eligibility. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. Equal Housing Opportunity | www.nmlsconsumeraccess.org

Address

9191 Towne Centre Drive, Suite 400
San Diego, CA
92122

Opening Hours

Monday 8am - 6pm
Tuesday 8am - 6pm
Wednesday 8am - 6pm
Thursday 8am - 6pm
Friday 8am - 6pm

Telephone

+16194959904

Website

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