We discuss what’s going on in the lending world. What are some changes that are happening that can affect your clients.
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We discuss marketing ideas and ways that we can grow our business together.
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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.
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.
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.
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.
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.
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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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.
