For 25+ years, I've helped homeowners use their mortgage as a strategic part of their financial life—not just a loan. From first-time homebuyers to retirees planning cash flow in retirement, my focus is on smart choices, long-term thinking, and clear guidance without the jargon. I focus on reverse mortgages, cash flow in retirement, and liability management, but I'm equally passionate about helping move-up buyers and first-time homebuyers navigate the process with confidence.


**My approach:** Straight talk. Smart choices. Education over pressure. A plan that fits your life today and your goals for tomorrow.


**What I bring:** Co-author of Borrow Smart, Repay Smart (copy available upon request), A referral-driven business built on trust, A discovery process that looks at your whole financial picture.


Let's connect if you're looking to buy, downsize, free up cash flow, or understand how your mortgage fits into your long-term wealth strategy.

Producing Partnership Branch Manager

Carl Spiteri is your San Diego local lender. As a loan officer at OriginPoint, Carl is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Carl at (858) 526-3037 for more information!

Carl Spiteri at OriginPoint (NMLS #286890)

San Diego

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1 Loan Officer San Diego, CA