I love to help people buy, refinance or get an equity line. As a mortgage planner and branch manager at OriginPoint in San Diego, I bring more than 20 years of experience to my role as an adviser who identifies smart mortgage solutions customized for a person or couple’s financial situation. Over the years, I’ve helped thousands of people meet their overall financial objectives. I co-authored the book “Borrow Smart, Retire Rich.”
What sets me apart from other mortgage loan officers?
> Going the extra mile is a given.
> I use a tried and proven discovery process to learn about one’s financial circumstances, past, present and future. It helps me guide you into the best fit lending product i.e. buying a second home, what are your financial plans for it — investment or retirement?
> My client-centric focus is the reason 90% of our business is repeat or referrals.
> Access to quality financing — whether a purchase loan, a refinance for lower rate, debt consolidation or cash-out for college or investment purposes.
To summarize, I strongly believe that financial literacy paves the way to financial success. I show people all of the financial options available — from the garden variety to unique out-of-the box choices. I figure out what makes dollars and sense and strive to explain it to them in the simplest and clearest terms.
Is the economy headed in the right direction? Explore how inflation, mortgage rates, home equity, and housing market trends are shaping financial decisions for homeowners and buyers. Learn why balancing optimism with preparation may be the key to long-term financial success.
Many retirees are rethinking reverse mortgages as a retirement planning tool. Learn how today’s federally insured reverse mortgages can help improve cash flow, access home equity, and support aging in place while addressing common myths and misconceptions.
Wondering if buying a home during inflation is a smart move? Learn how homeownership can help build equity, provide payment stability, and potentially protect against rising costs over time. Explore the long-term financial benefits of owning real estate in today’s market.
Using home equity to pay off high-interest debt could lower your monthly payments and simplify your finances—but it’s not always the right move. Learn the pros, risks, and key factors to consider before using a cash-out refinance or HELOC to consolidate debt.
Is it still worth buying a home in today’s market? With rising home prices and higher mortgage rates, many first-time buyers are wondering if now is the right time—or if renting makes more sense. This breakdown explores the real long-term benefits of homeownership, from building equity to creating financial stability, and why waiting for “perfect timing” could cost you more in the future.
Most homeowners don’t think about a reverse mortgage until they feel like they’re out of options… but what if that’s exactly why so many people miss out? This might be one of the most misunderstood (and underused) strategies in retirement.
11622 El Camino Real, Suite 100 San Diego, CA 92130
Carl Spiteri | NMLS ID 286890
Phone: 619.544.6444
Office: 858.526.3037
eFax: 800.670.0929
OriginPoint LLC. NMLS License #2185899
Carl Spiteri | NMLS ID 286890
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Operating in the state of California as OriginPoint Mortgage LLC in lieu of the legal name OriginPoint LLC. If you are a California resident, please review our Privacy Policy to learn more about the categories and business purpose of personal information we may collect and your right to opt-out from the sale of personal information.
Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Compass, its affiliated brokerages and OriginPoint, LLC share common ownership and because of this relationship, the Compass affiliated brokerage may receive financial and other benefits. You are not required to use OriginPoint, LLC as a condition of purchase or sale of any real estate. Restrictions may apply, contact OriginPoint for current rates and for more information.
Compass, its affiliated brokerages and OriginPoint, LLC share common ownership and because of this relationship, the Compass affiliated brokerage may receive financial and other benefits. You are not required to use OriginPoint, LLC as a condition of purchase or sale of any real estate.
