Smart Home Buyer Workshop Webinar

Seize the opportunity to secure financial stability - taking your first steps toward owning a home will provide lasting value to you and those close to you.

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Carl Spiteri and his team developed this home buyer workshop course with the first time home buyer in mind.

The home buying process is a very dynamic transaction with many moving parts. It’s important for the home buyer to understand what goes into their offer moving forward to land their dream home or investment property.

In this webinar you will;
  • Feel reassured that it’s still possible to buy or sell a home.
  • Know that you’re making a smart decision, no matter what the headlines say.
  • Equip yourself with the right knowledge to make sound decisions.
    Feel confident in your investment choices.
  • You will be able to rest easy knowing that your home is a good investment.

Sponsored By

Carl Spiteri

I love to help people buy, refinance or get an equity line. As a mortgage planner and branch manager at Benchmark 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 bankers?
> 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.

Read some articles Carl has written.

Baby Boomers and Reverse Mortgages: Why Wait Until There Are No Other Options

Baby Boomers, the generation born between 1946 and 1964, face unique financial challenges such as high inflation as they enter retirement. One option that has gained popularity among this generation is the reverse mortgage. However, many Baby Boomers tend to wait until there are no other viable alternatives before considering this financial solution. Let’s explore some of the reasons behind this hesitation and why you might not want to wait. One of the primary reasons Baby Boomers often delay considering reverse mortgages is a lack of awareness about this financial product. Without proper knowledge, they may not even realize that

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Why Millennials Should Consider Buying a Home Despite Higher Costs

What’s the National Debt Anyway and why should we care? In recent years, real estate has seen a significant increase in both interest rates and purchase prices. This has left many first-time homebuyers wondering if it’s still a wise decision to invest in a home when renting appears to be the more affordable option. There are compelling reasons why first-time homebuyers should consider purchasing a home, even when it comes with higher Payments, interest rates and purchase prices. One of the most significant advantages of buying a home is the opportunity to build equity over time. When you rent, you’re

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The $34 Trillion Elephant in the Room: Understanding the Negative Effects of the U.S. National Debt and the bright side of the that debt.

What’s the National Debt Anyway and why should we care? Before we jump into the negative effects, let’s quickly understand what the national debt is. Simply put, it’s the total amount of money the U.S. government owes to its creditors. Think of it as Uncle Sam’s credit card bill. Over the years, this bill has grown into a monstrous number, and it’s essential to explore why it’s a matter of concern. Imagine having a credit card with an astronomical balance. What’s the first thing that comes to mind?  The interest, right? Well, it’s the same for our national debt, but on

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AGING IN PLACE – Stay Home its better for your health

As we journey through the various stages of life, one inevitable aspect that unites us all is the process of aging. While the golden years bring wisdom and a lifetime of experiences, they may also usher in unique challenges, especially for seniors. One growing trend that addresses these challenges is “aging in place,” a concept that advocates for seniors to remain in their own homes as they age. In this blog post, we will explore the advantages of aging in place and how it contributes to the overall well-being of our cherished seniors. There’s no place like home, and this

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Should I Consolidate High-Interest Debts with a New Mortgage?

For many individuals facing high-interest credit card debt and short-term car payments with substantial monthly obligations, the idea of consolidating these debts into a new mortgage with a higher interest rate and a lower total monthly payment can seem appealing. On the surface, it may seem like a practical solution to ease immediate financial strain. However, before making such a significant decision, it’s crucial to weigh the pros and cons carefully. In this blog post, we’ll explore the potential benefits and drawbacks of using a new mortgage to pay off high-interest debts. The Concept of Debt Consolidation involves combining multiple

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Unraveling the Struggle: How Soaring Homeowners Insurance Costs Impact California’s Retirees

California, the land of opportunity and dreams, has been an idyllic destination for many retirees seeking a vibrant and comfortable lifestyle. However, the state’s retirees are now facing a formidable challenge as they witness an alarming rise in homeowners’ insurance costs. As the costs of living continue to soar, retirees are finding it increasingly difficult to protect their most significant asset – their homes. In this blog post, we will delve into the factors driving up homeowners’ insurance premiums and explore the profound impact on California’s retirees. One of the primary drivers behind the surge in homeowners’ insurance costs in

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How Reverse Mortgages for Purchase Can Benefit Seniors and Realtors with SRES Designation

As a lending expert in mortgage lending, I have seen how Reverse Mortgages for Purchase can be a game-changer for both Boomers and Realtors with SRES designation. In today’s tough market, Boomers are finding it difficult to purchase a home, and Realtors are struggling to get more sales and listings from buyers. Reverse Mortgages for Purchase can provide a solution for both parties. A Reverse Mortgage is a type of home loan that allows seniors, who are over 62 years old, to convert a portion of their home equity into cash. Unlike a traditional mortgage, the borrower does not have

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No one gets out alive

Ok so a subject most folks do not want to dwell on death and what can happen financially after a spouse passes away, dealing with the grief, the loneliness and the financial. Usually, we get involved at this point after a spouse passes. We try to address the issues at that time but what if the financial backstop was handled in advance. Even if you do not have a mortgage today, or feel there is plenty of funds available. Getting a reverse mortgage in advance of a spouse’s death can be a strategic financial decision in certain circumstances. Here are

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Have you ever considered getting a reverse mortgage to ensure your surviving spouse has the means to stay in their home after you are gone?

A reverse mortgage is a type of loan that allows homeowners who are aged 62 or older to access a portion of their home’s equity without having to sell or move out of their home. The loan is called a reverse mortgage because the homeowner receives payments from the lender instead of making monthly mortgage payments. This type of loan can be an excellent option for seniors who need extra income to support their retirement or prefer to have liquid reserves as opposed to equity reserves. One of the benefits of a reverse mortgage is that it can help protect

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