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Gullick Group - Loan Officer Team

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San Diego, CA
Gullick Group - Loan Officer Team

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We are here to help you get the best home loan for your financial and future goals. 15+ years exp.

Josh Gullick, Originating Branch Manager, NMLS ID #943522 | Branch NMLS ID # 1790854 | CrossCountry Mortgage LLC NMLS ID # 3029

11/06/2026

A buyer who does not fit a conventional loan profile may still have a viable path forward. The key is knowing which questions to ask before assuming the answer is no.

Our broader product portfolio includes options for first-time buyers, eligible service members, self-employed borrowers, real estate investors, clients with substantial assets, and homeowners coordinating a purchase before a sale. Every program has its own credit, income, asset, occupancy, and property requirements, so the right fit depends on the complete scenario.

For our Realtor partners, this means you have a place to bring the complicated files as well as the straightforward ones. Send us the situation early. We will review the details, explain what is realistic, and help your client understand the next best step without overpromising what a program can do.
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Josh Gullick, Originating Branch Manager, NMLS ID #943522
CrossCountry Mortgage LLC NMLS ID # 3029
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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

11/05/2026

We had a great time bringing people together at The Gullick Group’s AI event! We explored practical ways to use AI in everyday work and walked through a live demo so everyone could see what it looks like in action.

Events like this are one of the perks of our Realtor Partner Program. If you’re a Realtor and want to join us at future events, DM us PARTNER for more info.

Thanks to everyone who joined us and brought their curiosity. We hope you left with at least one idea you’re excited to try. Here’s a look back at the event! 🎥

11/04/2026

Mortgage rates do not have to move dramatically to change a buyer's monthly principal and interest payment. Even a smaller shift can affect how a price point feels within the budget.

That is why trying to predict the exact bottom of the market is usually less useful than understanding your own numbers. Purchase price, down payment, loan type, taxes, insurance, homeowners association dues, and rate all work together. A lower rate does not automatically make every home affordable, and a higher rate does not automatically mean there is no workable path.

Start with the monthly payment you can comfortably carry, not only the maximum amount you may qualify to borrow. We can model different price and financing scenarios so you can see what changes and make decisions from a clear range instead of a guess.
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Josh Gullick, Originating Branch Manager, NMLS ID #943522
CrossCountry Mortgage LLC NMLS ID # 3029
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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

11/04/2026

A little spooky, a lot of gratitude! 🎃✨ We had a wonderful time celebrating Halloween with our amazing clients. Thank you for your continued trust and support—and for giving us so much to celebrate!

With the holiday season ahead, we’re feeling especially grateful for the people who make what we do so meaningful. 🧡

11/03/2026

Happy Birthday to our November Birthday Clients!

We hope it's a wonderful one! 🎈🎂🎉🍂

11/02/2026

A smooth mortgage experience rarely comes from one big moment. It comes from dozens of smaller details being handled in the right order, by people who communicate with one another and stay ahead of the next deadline.

Andrew described his experience with the Gullick Group as seamless and called the team professional and exceptionally capable. That is exactly what we want clients and real estate partners to feel: the file is moving, questions are being answered, and the people behind the loan know what needs to happen next.

Every transaction has its own details, but the standard should stay consistent. If you are planning a purchase or refinance and want a team that treats coordination as part of the service, we are ready to help you understand the next step.

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

10/31/2026

Some mortgage myths sound scarier than the facts.

You do not always need a 20 percent down payment. Different loan programs have different minimums, and some eligible borrowers may qualify for low- or no-down-payment options. Your credit also does not have to be perfect, although it will affect the programs and terms available to you. And waiting for one perfect interest rate can mean overlooking the purchase price, inventory, competition, and monthly payment that exist right now.

The useful question is not whether one rule applies to everyone. It is what your complete financial picture allows and what payment feels responsible for your household. If uncertainty has kept you from asking, let us replace the myths with real numbers. Happy Halloween from the Gullick Group.
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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

10/28/2026

When inventory grows, buyers compare homes more carefully. They look at condition, location, photos, upgrades, and price side by side. A listing that feels out of step with comparable sales may be skipped before a showing is ever scheduled.

That is why pricing is not only about choosing a number. It is part of the launch strategy. The goal is to attract qualified attention early, create productive showings, and put the seller in the best position when an offer arrives. Starting too high can lead to fewer showings, longer market time, and price reductions that buyers notice later.

Your real estate agent will guide the listing strategy. On the lending side, we help evaluate the financing options that may support the seller's next move, including how existing equity or a bridge loan could affect the timing.
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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

10/27/2026

Your first home can be the start of something bigger. 🏡

We teamed up with our Realtor partner Carlos Orellana and the Costa Azul group for a homebuyer education event, bringing together first-time buyers and people interested in building wealth through real estate.

It was an opportunity to ask questions, learn about the homebuying process, and explore how homeownership can support long-term goals.

Thank you to Carlos , the Costa Azul team , and everyone who joined us. We loved being part of the conversation!

Missed the event? Send us a message—we’d love to help you explore your next steps.

10/26/2026

One of the hardest parts of moving can be the timing. You may find the right next home before your current one is sold, but still need access to the equity tied up in that property.

A bridge loan is a short-term financing option that may allow an eligible homeowner to borrow against a current property to help finance a new one. It can create more flexibility around when you buy, move, and sell, but it also comes with qualification requirements, costs, and overlapping-payment considerations that need to be reviewed carefully.

The first step is not deciding that you need a bridge loan. It is looking at your equity, income, current payment, expected sale timeline, and next purchase together. We can compare the available paths and help you understand whether bridge financing fits the move you are trying to make.
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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

http://wccm.com/josh-gullick, http://www.wccm.com/josh-gullick

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