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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.
Explore the top 30 reasons why a reverse mortgage could be the key to a comfortable retirement. Supplement income, cover expenses, delay Social Security, and access home equity. Learn how a reverse mortgage provides financial flexibility, tax-free income, and the ability to age in place securely. Ideal for those seeking to enhance retirement income with the value of their home.
Unlock personalized mortgage solutions with Carl Spiteri, boasting 28 years in mortgage banking. Specializing in Reverse Mortgages, Jumbo Loans, and creative financing for traditional to unique properties. Experience seamless loan processing and expert guidance. Connect for custom-fit mortgage advice today.
Discover the benefits of Hospital at Home services and how they bring quality healthcare to your doorstep. Learn how a reverse mortgage line of credit can support home care costs, ensuring comfortable, cost-effective recovery for seniors using home equity access. Explore the innovation in healthcare.
Explore the misunderstood benefits of reverse mortgages for seniors. Learn how you can safely convert home equity into retirement income, ensuring comfort and security. Get the facts, dispel myths, and consider your options. Book your free 30-minute consultation today and pave the way to a secure future.
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
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
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
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
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
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
Ark-La-Tex Financial Services, LLC NMLS ID 2143
Carl Spiteri | NMLS ID 286890
Ark-La-Tex Financial Services, LLC d/b/a Benchmark Mortgage 5160 Tennyson Pkwy STE 1000, Plano, TX 75024. NMLS ID #2143 (www.nmlsconsumeraccess.org) 972-398-7676. Some products may not be available in all licensed locations. Information, rates, and pricing are subject to change without prior notice at the sole discretion of Ark-La-Tex Financial Services, LLC. All loan programs subject to borrowers meeting appropriate underwriting conditions. This is not a commitment to lend. Other restrictions may apply. (https://benchmark.us)
