Preheat oven to 350 degrees.
In a bowl combine flour, sugar, baking powder, baking soda, nutmeg, cinnamon, and salt.
Cut in butter until mixture looks like crumbs.
Whisk together buttermilk, eggs, almond and vanilla.
Pour into the crumb mixture you just made.
Mix until all combined.
Pour half the mixture into a 13x9 Cake pan.
Heat Carmel sauce so it is easy to spread. Pour ¾ of it on top of the batter in the pan (Save the rest for the top when its cooked).
Place chopped apples on top of Carmel. Then top with the remainder cake mix.
Combine all the ingredients for the crumb topping. Sprinkle on top of the cake mix.
Place on the middle rack in the oven and bake for 45-55 minutes.
Let cool and then top with the remaining caramel sauce, cut, and serve.