About Crystal
I began helping people navigate the home financing process in 1996, and I still find it just as rewarding today. Over the years, I’ve had the privilege of wearing a few different hats — working as a mortgage loan originator, a licensed realtor, and even teaching mortgage law for eight years. Each role has deepened my understanding of the industry and, more importantly, has enabled me to serve my clients more effectively and efficiently. Teaching mortgage law gave me the chance to help others understand the ‘why’ behind the process, and I bring that same spirit to every client conversation. I am a person of faith, so I answer to my Father in all things. I am honest, kind, intelligent and hardworking.
My Service to you!
I understand that every borrower has a unique story. You have a unique story! Whether you’re buying your first home or refinancing, are self-employed, rebuilding credit, or investing in property, my goal is to truly understand your needs and guide you with clarity and care. I want you to feel confident and informed at every step — and never afraid to ask questions. I believe that the best lending experiences are rooted in trust, open communication, and a personalized plan for each client; so my approach is centered on your education and understanding and on tailoring solutions that meet your needs.
This isn’t just about loans for me. It’s about building lasting relationships, long-term support, and helping you achieve your goals with confidence. Click the link or give me a call! I’m here to make the process smooth and empowering, from our first conversation to the day you get your keys — and beyond!
Licensed in IN
Free guides from Crystal
First-Time Buyer Guide
Why own, the 7-step path, the document checklist and the do’s and don’ts — read it here, no download.
Where to find Crystal
Crystal works out of our Carmel, IN office. Branch NMLS #33041.
What clients say about the Carmel team
296 client reviews
Verified client reviews via Experience.com
Professional, courteous, and service oriented.
Don was very helpful at all points! I was able to ask anyquestions and didn't feel judged, no matter how dumb they were. I liked that he came to closing and knew our realtor closely. The process that was controlled by him was smooth and well managed.
Kathleen at Advisors Mortgage was a breath of fresh air to work with! She is extremely knowledgeable and took the time to explain every detail to us. The home buying process can be very stressful at times, but Kathleen was always there to reassure and support us. From our first phone call to closing, she was readily available and truly invested in us. We are so thankful for her and her expertise!
Kathleen was tremendous. She made the home loan experience easy, and also made us feel confident along the way. She was highly professional, communicative, and engaging through the process.
Don was very helpful with the whole process we had to change the loan type and he also found a program to help with down paymen. He is down to earth and was great to work with.
The service provided by Don Juntzinger was outstanding. He was incredibly helpful throughout the entire process, making everything smooth and seamless. I truly appreciate all of his support, guidance, and professionalism. Thank you for making this experience so positive.
Thanks to Don for making the process easy and always following up with me. It was a pleasure working with him!
Overall great experience
Very helpful and easy to work wit.
Don is so good good to work with him so easy always pick up the phone help me
For something not so enjoyable, Don made this a very educational experience and we had some laughs as well. Super professional business ethics, and great navigation throguh the whole process. We highly recommend Don Huntzinger as someone great to work with for mortgages.
Excellent work from Don Huntzinger on our mortgage. He answered all of our questions and the questions we didnt even ask. He really knows his stuff when it comes to mortgage. Thanks for everything!
Kathleen made this a great and seamless experience. Thank You Kathleen.
Kathleen was wonderful taking the time to make sure we understood everything through the underwriting process. She is extremely attentive and available to assist in whatever way she can. Kathleen helped us buy our first house!
Excellen, clear, and timely communication throughout the mortgage proces!
Our loan officer, Leighann Clayton did a great job of keeping us informed every step of the way as our loan progressed. She made the refi very simple and easy to understand. It closed on time and with no hitches along the way!
Going through this process is never fun, but it was nice to know all the hard work paid off! . like doing your taxes. It's necessary not fun but the team here held your hand through the entire process explained everything and were able to meet our goals.
Kathleen Singer made a normally hectic and crazy experience feel quick and painless! Her professionalism made her our advisor and our advocate; her personality and compassion made her our friend.
Donald was good at communicating and addressing each and every question that we had. He made sure everything went as smooth as possible.
What made my experience great was that Don guided as very well throughout the whole loan application process. He's responsive we have questions or concerns along the way. Would highly recommend their company.
Sorry, I will not. The survey responses will have to suffice. Thank you for your help!
Very nice and did everything he could to help
Advisors mortgage is the best! I would recommend advisors mortgage to anyone!
Leigh Ann was great to work with and made the financing of our new home as stress-free as possible!
Working with Don was exceptional. He was always communicative, responsive, and made me feel like a top priority throughout the process. He explained every step clearly, followed up quickly, and ensured everything stayed on track. I look forward to working with Don in the future!
Latest market updates
The latest PCE inflation report came in cooler than expected, giving both stocks and bonds a boost. Headline inflation rose just 0.3% for the month, while the year-over-year rate fell from 3.7% to 3.4%, better than forecasts. Core inflation, which excludes food and energy, increased only 0.2% and declined from 3.3% to 3.0% annually.
The softer inflation data could reduce pressure on the Federal Reserve to raise rates immediately. New York Fed President John Williams indicated there is no urgency to act following September’s rate hike, although he still expects another increase may be needed later this year.
One area of concern is consumer finances. The savings rate dropped from 4.6% to 4.1%, its lowest level in four years, suggesting consumers continue to spend while saving less.
The inflation report was encouraging for financial markets and showed meaningful progress toward lower inflation, which could help ease some of the upward pressure on interest rates if the trend continues.
Source: MBS Highway
The housing market is shifting in buyers’ favor as more homes become available and competition eases. Redfin reported that,“Sellers outnumbered buyers by 58% in August, the biggest gap in Redfin’s records, driven by a surge in listings and stagnant demand”.
This is the widest gap since Redfin began tracking in 2013. Also interesting is that housing supply reached its highest level in more than a decade, giving buyers more choices and negotiating power.
Affordability remains a challenge, with mortgage rates around 7% and the median existing-home price rising 1.6% year over year. Pending sales and mortgage applications have declined, as high costs and economic uncertainty keep some buyers on the sidelines. Many homeowners are also hesitant to trade their existing low mortgage rates for higher ones.
In some markets, homes are taking longer to sell, prompting sellers to adjust prices and increase marketing efforts. Buyers with substantial cash or home equity are especially well positioned, although the overall sales pace through August remained largely unchanged from last year.
For buyers who are financially ready, greater selection and less competition offer an encouraging opportunity to find a home that fits their needs and budget.
The Federal Reserve raised its benchmark interest rate by 0.25 percentage points, bringing the target range to 3.75%–4.00%. The Fed made the move because they feel that inflation remains elevated, while consumer spending, business investment and the labor market continue to show resilience. Higher rates are intended to slow demand and help return inflation to the Fed’s 2% goal.
Although the Fed does not directly set mortgage rates, its decisions influence the bond market and investors’ inflation expectations. When the Fed hikes rates it can be seen as deflationary since it makes borrowing money more expensive and slows down the movement of money. Bond investors’ arch enemy is inflation so a push from the Fed to fight inflation can garner more attention from investors to purchase more bonds which would help mortgage rates decrease. However, the comments following the policy change put pressure on the bond market since Fed Chair Warsh’s comments were seen as “thin” and he also mentioned inflation is still hanging around.
If inflation cools and the Fed wins the trust of the markets by continuing to fight inflation, we could see rates have a chance to improve, but if the opposite occurs rates could continue their trend and increase more. Oil is also a large factor and if we can get it to drop in price it could also assist mortgage rates to improve.
Source : Federal Reserve
