About Claudia Gutierrez
**Claudia Gutierrez** is a seasoned Loan Originator with 24 years of experience guiding first-time homebuyers and real estate investors toward long-term financial success. Recognized for her strategic insight and relationship-driven approach, Claudia has built a reputation not merely for closing loans, but for helping families create lasting generational wealth through disciplined, well-structured real estate decisions. As a proud first-generation Latina, Claudia understands firsthand the transformative power of homeownership. Her work is fueled by a deep commitment to empowering her community—particularly Gen Z and Millennial buyers—to begin early, invest strategically, and build financial freedom on their own terms. She pairs practical mortgage expertise with a sophisticated understanding of macroeconomics and investment strategy, positioning her clients for sustainable growth rather than short-term gains. Claudia's leadership extends well beyond individual transactions. She is intentional about cultivating strategic partnerships with real estate agents throughout North Carolina and South Carolina, while actively developing a Latino real estate team designed to better serve and elevate her community. Her collaborative mindset, market intelligence, and consistent performance have made her a trusted advisor to both buyers and industry professionals. Her impact also lives within her own family's leadership in the real estate sector. Her son is a professional real estate agent and successful entrepreneur, building ventures that create opportunity and economic mobility. Her daughter is a North Carolina attorney and law firm owner whose practice focuses on real estate and related transactional matters in the Latino market. Grounded in a 43-year marriage and a multigenerational real estate family, Claudia leads with stability, integrity, and legacy-driven vision. Together, they embody a commitment to education, ownership, and empowerment—living proof of the wealth-building principles Claudia champions every day. For Claudia, real estate is more than a transaction. It is a vehicle for legacy, empowerment, and opportunity—and every client she serves becomes part of that vision.
We can make it happen!
Bank Statement loans
Self-employed? Our Bank Statement Loan program allows self-employed borrowers to seek a home loan without tax returns, W2s or pay stubs.
Foreign National loans
Not a US Citizen? Foreign National loans are available without a social security number, green card, or visa and do not require a FICO score.
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Located at 7761-101 Ballantyne Commons Parkway, Offices 1 & 2 Charlotte NC, 28277
*Rate's 5-minute pre-approval refers to an automated underwriting review of borrower submitted loan documentation and subsequent pre-approval and should not suggest to a borrower that Rate has fully funded or approved the borrowers mortgage application within 5 minutes. Rate cannot guarantee that a loan will be approved or that a closing will occur within a specific timeframe. Not all borrowers will be approved. Borrower's interest rate will depend upon the specific characteristics of borrower's loan transaction, credit profile and other criteria. Restrictions apply.
**Rate's Same Day Mortgage promotion offers qualified customers who provide certain required financial information/documentation to Rate within 24 hours of locking a rate on a mortgage loan the opportunity to receive a loan approval within 1 business day of timely submission of documentation and does not suggest that the borrower will receive funding on the same day as their application submission. For purposes of this offer, documents provided after 1 pm local time or on a weekend or company holiday will be deemed submitted the next business day. Rate cannot guarantee that a loan will be approved or that a closing will occur within a specific timeframe. Rate reserves the right to revoke this approval at any time if there is a change in your financial condition or credit history which would impair your ability to repay this obligation. Read and understand your Loan Commitment before waiving any mortgage contingencies. Borrower documentation and Intent to Proceed must be signed within 24 business hours of receipt. Not eligible for all loan types or residence types. Minimum down payment requirements apply. Not all borrowers will be approved. Borrower's interest rate will depend upon the specific characteristics of borrower's loan transaction, credit profile and other criteria. Not available in all states. Restrictions apply. Visit rate.com/same-day-mortgage for terms and conditions.
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