services

FINANCIAL OPTIONS
JUMBO

A jumbo loan, or jumbo mortgage, is a home loan for an amount that exceeds the “conforming loan limit” set on mortgages eligible for purchase by...

Non-QM

A non-qualified mortgage (Non-QM) is a home loan designed to help homebuyers who can’t meet the strict criteria of a qualifying mortgage...

FHA

Loans are backed by the Federal Housing Administration, and they are a good option for first-time homebuyers or borrowers with low credit scores...

VA

Loans are issued by the Department of Veteran Affairs and are offered at zero down payment. Both active and retired veterans plus their families...

REVERSE MORTGAGE

Homeowners in California who are 62-years old or older can use a reverse mortgage to tap into the equity of their home while remaining in it...

CONVENTIONAL MORTGAGE

A conventional loan is a mortgage loan that follows the lending rules set by Federal Home Loan Mortgage Corporation (Freddie Mac) and...

ABOUT CRYSTAL

Crystal Calhoun-Epps is the founder of Crystal the Closer company; a firm dedicated to helping people easily access mortgages, acquire funding, and achieve their homeownership goals. She is a mortgage broker, realtor, and certified tax preparer. Crystal is a licensed Mortgage Professional who has been in the Real-Estate industry for over 30 years, she founded Crystal the Closer for clients to effortlessly access mortgages and achieve their homeownership goals.

A California native, Crystal began her real estate career in her home state before enlarging her territory to Georgia, Florida, and Texas. She is thorough and well connected and holds a mortgage license in all four states. Crystal is a licensed Realtor in California and Georgia.

BUYER

Identify the Reason for buying

Starting a family, home value, or the simple joy of ownership buying a home is a big decision; Crystal the Closer can assist you and clarify the best options for you.

Professional Real Estate Representation

Buying a home can be overwhelming; entrust the process with Crystal the Closer to guide you all the way to your new home!

REAL ESTATE FINANCING

JUMBO

A jumbo loan, or jumbo mortgage, is a home loan for an amount that exceeds the “conforming loan limit” set on mortgages eligible for purchase by Fannie Mae and Freddie Mac, the government-sponsored enterprises (GSEs) that ultimately buy and administer most single-family-home mortgages in the U.S.

Non-QM

A non-qualified mortgage (Non-QM) is a home loan designed to help homebuyers who can’t meet the strict criteria of a qualifying mortgage. For example, if you are self-employed or don’t have all the necessary documentation to qualify for a traditional mortgage, you might need to look at non-qualified mortgages.

FHA

Loans are backed by the Federal Housing Administration, and they are a good option for first-time homebuyers or borrowers with low credit scores. FHA loans can be used to buy different types of homes or when conducting fixer-upper projects.
USDA – Loans are issued by the United States Department of Agriculture to encourage homeownership in rural and semi-urban areas. USDA loans require low to no down payment.

VA

Loans are issued by the Department of Veteran Affairs and are offered at zero down payment. Both active and retired veterans plus their families are the ones that qualify for VA loans.

REVERSE MORTGAGE

Homeowners in California who are 62-years old or older can use a reverse mortgage to tap into the equity of their home while remaining in it. Borrowers cannot be evicted from their homes; the reverse mortgage loan only comes due upon a borrower’s death or when they move out.

CONVENTIONAL MORTGAGE

A conventional loan is a mortgage loan that follows the lending rules set by Federal Home Loan Mortgage Corporation (Freddie Mac) and Federal National Mortgage Association (Fannie Mae) and is not backed by any government agency.

HOME EQUITY

A home equity loan is a type of loan in which the borrower uses the equity of their home as collateral. The loan amount is determined by the value of the property, and the value of the property is determined by an appraiser from the lending institution.

STRATEGIC CONSULTATION

Crystal the Closer offers Strategic Real Estate Financing Consultations that include:

  • Two (2) 30-minute Consultation
  • Tri Merge Credit Report
  • Credit Analysis
  • What if Simulator
  • How to Credit Simulator
  • Underwriting Income Calculations & Analysis
  • Tax Preparation and Planning
  • Second 30-minute Follow-Up Consultation

REAL ESTATE BUYING AND SELLING

RSA, Realty Inc.
Offering customized service, specialist knowledge, and skills that connect individuals with the perfect property, making one’s real estate investment a success!