(573) 777-5008

Apply with Crystal

Crystal Himmelberg

Senior Mortgage Banker

Flat Branch Home Loans offers a variety of mortgage products to meet your needs.

Apply with Crystal

About Crystal


Crystal Himmelberg was born and raised in Mid-Missouri and could not imagine living anywhere else. She graduated from Central Methodist University in 2004 with a degree in Finance & Banking and minored in Accounting. She also played college basketball. In her free time, Crystal likes to ride horses, go camping, hang out at the lake and spend time with her family. Crystal is married with two beautiful children and resides in Fayette, MO. Crystal has been in the mortgage industry for 12 years. Flat Branch Home Loans makes purchasing/refinancing your dream home a smooth and effortless process. With in-house underwriters and processors, we keep on top of your loan throughout the entire process. We are beginning to self-service our own loans, which allows you to make your monthly mortgage payments to Flat Branch Home Loans. Working for one of the most efficient and personalized mortgage bankers allows Crystal to give her clients individualized attention and keep in touch for years to come. Working one on one with a local, experienced loan officer backed by knowledgeable staff handling your loan from start to finish is so important. In-house processing and underwriting allows Crystal to better serve clients and help make the process as smooth as possible. Crystal looks forward to giving each and every one of her clients the best experience in the purchase of their new home!

Photo of Crystal HimmelbergPhoto of Crystal HimmelbergPhoto of Crystal HimmelbergPhoto of Crystal HimmelbergPhoto of Crystal HimmelbergPhoto of Crystal Himmelberg

Estimate Your Monthly Home Loan Payment

Take a look at your potential monthly payment on a new home or by refinancing your current home, and connect with Crystal to get the process started.

Check all that Apply


Please select a value between $30,000 and $600,000$
USDA does not require a down payment!%
Please enter a value between 3 and 10%
$
$

Monthly Payment:

Monthly Cost Breakdown:


Principal & Interest:

USDA Guarantee Fee:

Monthly Taxes and Insurance:

Loan Breakdown:


Purchase Price:

Down Payment:

Funding Fee:

Total Loan Amount:

Get started with Crystal today!

Office: (573) 777-5008

Mobile: (660) 537-2029

Fax: (573) 355-5435

NMLS#: 292184

Email: crystal@fbhl.com

The information provided by these calculators are for illustrative purposes only and are supplied on the current market average. All figures are hypothetical and may not apply to your individual situation. Be sure to contact a Mortgage Banker or financial professional for exact information.

What our clients say about Crystal


"I really appreciate Flat Branch as this is my second mortgage loan. I want to give a big thank you to Crystal for all her knowledge in helping me through the loan process! Thanks!"

- Linda

"I don't ever give 10/10 ratings, but the experience was great. Crystal was always on top of things from the beginning. I would recommend her to anyone."

- Steven

"Crystal and Ashley were very helpful. Crystal led me through every step of the loan process. Ashley was very helpful as well. I like that they were proactive in calling me and/or emailing me to get or give information. The loan process ran smoothly."

- Joanne

Apply with Crystal today

Flat Branch Home Loans offers a variety of mortgage products to meet your needs including conventional loans, FHA loans, VA loans, USDA loans and many others.


Get started with CrystalThe above link will take you to Ellie Mae's secure, encrypted servers to complete your loan application.

3200 Penn Terrace Suite 113
Columbia, MO 65202

Office: (573) 777-5008

Mobile: (660) 537-2029

Fax: (573) 355-5435

NMLS#: 292184

Email: crystal@fbhl.com