Welcome To Crown and Key Mortgage

At Crown and Key Mortgage, we started with the goal of providing the best home loans and refinancing options to our customers. With over 20 years of experience in the mortgage industry, we have established ourselves as a trusted brand that delivers quality every time. The Crown stands for excellence, trust, and experience, while the Key represents opportunity, freedom, and homeownership. Together, Crown & Key Mortgage symbolizes opening doors and creating new beginnings one home at a time.

Our team is made up of experienced professionals who are dedicated to providing exceptional service in home loans and mortgage solutions. We work closely with our clients to understand their needs and provide tailored refinancing options that exceed their expectations.

Founder & Senior Loan Officer

NMLS: 227206

With two decades of experience in the mortgage industry, Jennifer Kutac is a seasoned and trusted professional known for her extensive knowledge, client advocacy, and commitment to delivering a superior lending experience. Throughout her career, Jennifer has guided thousands of families, investors, and partners through the home financing process, including home loans, with clarity, confidence, and care.

Jennifer understands that purchasing, selling, building, or refinancing a home is one of the most significant financial decisions a client will make. Her approach is rooted in integrity, accuracy, and personalized service—ensuring every borrower receives tailored solutions that align with their long-term goals in home loans and refinancing.

Her comprehensive expertise spans all major loan products, including:

- Conventional financing

- FHA and VA programs

- Jumbo loans

- DSCR and investor loan programs

- Construction and renovation financing

- Specialty and Non-QM loan options

Jennifer leads Crown & Key Mortgage with a vision of professionalism, transparency, and excellence. She is dedicated to creating a seamless, efficient process for every client, from initial consultation through closing. Her long-standing relationships with top lenders, combined with her deep understanding of underwriting guidelines, allow her to navigate even the most complex refinancing scenarios with confidence and precision.

Above all, Jennifer is committed to providing an exceptional client experience—one built on communication, trust, and results. When you work with her, you’re not just working with a loan officer—you’re partnering with someone who genuinely cares about your goals and works tirelessly to help you reach them.

Co-Founder & Senior Loan Processor

Licensed Loan Originator

NMLS: 1561658 

With more than a decade of experience in the mortgage industry, Bobbie Kutac is a highly skilled and trusted professional whose expertise is central to the success of Crown & Key Mortgage. As Co-Founder and the team’s lead processor, Bobbie oversees each file with exceptional attention to detail, ensuring a smooth, accurate, and efficient experience for every client seeking home loans.

Bobbie’s deep understanding of loan guidelines, documentation requirements, and underwriting standards allows her to navigate even the most complex scenarios with confidence and precision. Her proactive communication and problem-solving approach help prevent delays and ensure that each file moves seamlessly from application to closing, whether for new mortgages or refinancing.

She is committed to delivering exceptional service, supporting families through some of life’s biggest financial decisions involving home loans, and upholding the high standards that define the Crown & Key brand.

Our expertise in home loans includes: 

Conventional Loans — Reliable, competitive mortgage options for strong borrowers. 

FHA & VA Loans — Helping families, veterans, and first-time buyers achieve the dream of homeownership through accessible financing. 

Jumbo Loans — Exclusive home loans for high-value and luxury properties. 

Construction & Renovation Loans — Financing for everything from ground-up builds to dream remodels. 

Non-QM & DSCR Investor Loans — Designed for investors and entrepreneurs with nontraditional income streams. 

Bank Statement Loans — Ideal for self-employed borrowers, qualifying based on real income — not tax returns. 

Refinance & HELOC Options — Unlock equity, lower your mortgage rate, or access cash when you need it.