This is not a commitment to lend. Home Equity Conversion Mortgages (HECMs) are eligible for borrowers 62 and older. Borrower must pay property taxes, Homeowner’s insurance, HOA dues (as applicable), and maintain the home and using it as primary residence or the loan will need to be repaid. Otherwise, the loan must be repaid when the borrowers leave the home more than 12 consecutive months, transfer their property’s title to another person, the last borrower passes away or sells the home. Prices, guidelines and minimum requirements are subject to change without notice. Subject to review of credit and/or collateral; not all applicants will qualify for financing. It is important to make an informed decision when selecting and using a loan product; make sure to compare loan types when making a financing decision. This material has not been reviewed, approved or issued by HUD, FHA or any government agency. Rate is not affiliated with or acting on behalf of or at the direction of HUD, FHA or any other government agency. To find a Reverse Mortgage counselor near you, search the HECM Counselor Roster at https://entp.hud.gov/idapp/html/hecm_agency_look.cfm or call (800) 569-4287.
Since 1991, Carl Spiteri has been helping people achieve their financial dreams and goals. From First time homebuyers through Retirement mortgages and everything in between we want to be your lender for life. Having been an adjunct professor at Woodbury University teaching architects and developers about project finance, Additionally Carl teaches the course “Basics of Lending” for the California Association of Realtors. Carl’s breadth of knowledge, the expertise of his team, his experience in credit and debt challenges makes him the perfect person to guide you on your road to financial success. We believe that everyone should have access to quality financial services and solutions regardless of their situation or location; our goal is to make sure that everyone who walks through our doors leaves with a smile on their face – knowing that they made a good decision by choosing us!
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.
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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.
