Multi-Generational Housing or Increase Your Income

With the newly adopted ADU laws multigenerational living is on the rise in popularity for a variety of reasons, including economic factors, an aging population, cultural diversity, changing family structures, and environmental concerns. While there are challenges to living together in one household, the benefits can be rewarding. If living with family is not in your future consider renting your new ADU and creating additional monthly income.

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Speaker
Carl Spiteri​

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.

Blog Articles

A New Federal Reserve Chairman: What It Really Means for InterestRates

A new Federal Reserve Chairman could influence more than just headlines—it could shape the direction of interest rates, mortgages, and retirement planning. With Kevin Warsh expected to replace Jerome Powell in 2026, markets are already adjusting expectations. Short-term rates often respond more quickly to Fed signals, while mortgage rates tend to follow longer-term trends tied to inflation and investor confidence. Understanding how Fed leadership could impact rate movements may help you make more informed financial decisions in an uncertain environment.

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The Hidden Power of a Reverse Mortgage Line of Credit

Discover the hidden power of a reverse mortgage line of credit through the FHA-insured Home Equity Conversion Mortgage (HECM). Instead of taking a lump sum, eligible homeowners 62+ could open a credit line that may grow over time, potentially creating a flexible, tax-efficient source of retirement funds. Learn how this lesser-known strategy could help manage cash flow, support portfolio protection, and enhance long-term retirement planning.

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Move-Up Buyers in 2026: What to Expect, What to Plan For, and How to Think Through the Decision

In 2026, move-up buyers are navigating higher mortgage rates, limited housing inventory, and affordability challenges while balancing the lock-in effect of ultra-low rates from prior years against rising home equity and long-term real estate appreciation. If you’re considering selling your current home and buying a larger one, success in today’s housing market comes down to mortgage pre-approval, understanding your total monthly payment, analyzing local market conditions, and making a strategic move that aligns with both your financial goals and lifestyle needs.

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The Retirement Economy in 2026

Explore how a reverse mortgage in 2026 could help homeowners age 62+ create retirement income, reduce monthly expenses, manage taxes, and turn home equity into flexible cash flow. Learn the benefits, risks, and when this strategy makes sense in today’s economy.

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The Economy in 2026: What Tax Cuts Mean and Why Real Estate Still Matters

The 2026 economy is being shaped by cooling inflation and updated tax policies that affect homeowners, retirees, and investors. This article explains what today’s tax cuts mean and why real estate continues to be one of the best long-term investments for building wealth, generating passive income, and protecting against inflation

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Happy New Year: Here’s to Growth, Wealth, and New Beginnings in 2026

A new year brings a fresh start—and a powerful opportunity to rethink how we build long-term wealth and financial security. In this post, we share why true financial growth isn’t just about saving more, but about expanding your financial knowledge, mortgage strategy, and home equity planning. From using your home as a smart financial tool to adopting a “borrow smart, repay smart” mindset, this piece explores how strategic home financing can help create cash flow, net worth growth, and real financial freedom in 2026 and beyond.

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