Strategic Refinance

We have helped many families improve their cash flow.

A mortgage payment typically represents a family’s largest monthly expense and will definitely affect monthly cash flow and your ability to save for life’s future events. Contrary to popular belief, a mortgage is not a necessary evil you take on when you buy a home, but a financial tool that, if structured the right way, will get you to financial security faster.

Eliminate mortgage insurance

Consolidate Consumer Debt

Remodel or repair your home

Convert adjustable to a fixed rate

Lower your monthly payment

Pay for college, weddings, automobiles

Reduce Your Mortgage Term

Lower your interest rate

We focus on helping clients become as financially efficient as possible.

We do his by identifying areas where homeowners may be losing net income unknowingly and unnecessarily and developing a strategy to reduce or eliminate those losses.

We'd love to tell you more.

Set up a time to chat with one of our experts.

6310 Greenwich Drive, Suite 200 San Diego, CA 92122

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 ( 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. (