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Your Local CrossCountry Mortgage Loan Officer

Evan Kutner

  • Vice President of Lending
  • Union, NJ Mortgage Loan Officer
  • NMLS #19441

I’ll be with you every step of the way

Hi, I’m Evan. For more than 20 years, I’ve helped homeowners and buyers navigate the mortgage process with clarity, confidence and results. I’ve been recognized multiple times as a Scotsman Guide Top Originator and ranked in Mortgage Executive Magazine’s Top 1% of Mortgage Originators in America — honors that reflect both performance and consistency.

Based in Monmouth County, NJ, I live with my wife and two daughters and value the balance between family life and the work I do for my clients. Outside of the office, I enjoy golf, tennis, skiing, live concerts and experimenting with new recipes on my BBQ or smoker.

Professionally, I’ve helped thousands of clients with purchases, refinances and complex financing scenarios. I’m known for spotting details others overlook and for structuring tailored loan solutions. Backed by the resources of America’s #1 Retail Mortgage Lender, I combine deep experience with personal service, so you always know what to expect at every step of the process.

Better Business Bureau Award Scotsman Guide Top Workplaces 2026 Mortgage Executive Top 50 Mortgage Companies In America 2023 Award 2025 Scotsman Guide Top Mortgage Lenders Award 2025 The Plain Dealer Top Workplaces Award 2025 Scotsman Guide Top Originators Award

Evan’s testimonials

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Your Mortgage Expert

Navigating the mortgage loan process is exciting – and easy – with the right home financing partner. When you work with CrossCountry Mortgage, you’ll collaborate closely with a licensed mortgage loan officer. We want to make sure you receive a competitive rate, and a fast, simple experience. Why? Our goal is to be your mortgage lender of choice for years to come. 

How much will my mortgage payment be?  

This calculator is being provided for educational purposes only. The results are estimates based on information you provided and may not reflect CrossCountry Mortgage, LLC product terms. The information cannot be used by CrossCountry Mortgage, LLC to determine a customer’s eligibility for a specific product or service.

Friends enjoying dinner in an updated kitchen after completing home improvements with the help of CCM Equity Express.
First responders take action to emergency call.

The Fed dropped its benchmark interest rate.

What does this mean for you? Mortgage rates typically move in the same direction, although they aren’t tied directly to the Fed decision.

If you want to buy a home or refinance, understand your mortgage choices with a pre-approval. Getting ready now means you can move quickly when you find the perfect home or the rate that makes a refi work for you.

  • Get pre-approved for a purchase
  • Get pre-approved for a refinance
  • Calculate equity for a cash-out refi

Want to learn more about our expert take on lower rates?

Tap into your home equity – fast

Would you like to improve your home, pay off higher-interest debt, finance education, or pay for other major expenses? A home equity line of credit (HELOC) can provide the money you need using your home equity. 

With CCM Equity Express, the process is fast, secure, and fully automated. Simply take 5 minutes to apply and get 100% of your loan amount in as few as 5 days. 

CCM Line of Duty Death Benefit

Our exclusive Line of Duty Death Benefit is designed to provide financial protection to the families of first responders. This complimentary, one-time benefit cancels the balance of your mortgage, up to $525,000, should you fall in the line of duty. It’s our way of saying thank you. 

Inspiration for your home loan journey

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Frequently asked questions

  • Refinancing costs typically range from 2% to 6% of the loan amount and include fees such as appraisal, title insurance, and closing costs. Factors like your loan type, location, and credit score can significantly impact these expenses. Our team can help to provide strategies that can help minimize costs.

    Learn more

  • To determine how much home you can afford, you’ll want to assess your financial situation. This includes your income, expenses, and debt-to-income ratio, to ensure your mortgage fits comfortably within your budget. A general guideline is to spend no more than 28% of your gross monthly income on housing costs and 36% on total debt.

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  • A good credit score typically starts at 620 for conventional loans, while FHA and VA loans may accept scores as low as 500, though higher scores offer better terms. A strong credit score can help you secure lower interest rates, saving you significant money over the life of a home loan.

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  • A Home Equity Line of Credit (HELOC) is a revolving line of credit that allows homeowners to borrow against the equity in their home. HELOCs function like a credit card, giving access to funds up to a set limit, which can be used for expenses like renovations or debt consolidation. You only pay interest on the amount you borrow, and the repayment terms typically include a draw period followed by a repayment period.

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  • To calculate your mortgage payments, start with your loan amount, interest rate, and loan term. Your payment will depend on the interest charged over time and the repayment schedule. You can use a monthly mortgage payment calculator or connect with us to learn more.

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I’d love to hear from you.

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