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)

As your trusted OriginPoint Loan Officer, my goal is to simplify the mortgage process, make your home loan experience easy to navigate and be available to you from application to closing. I take pride in thoroughly educating my customers throughout the mortgage transaction, so they fully understand their options and feel comfortable with their chosen loan program. Whether you are a first time home buyer or seasoned owner, you can trust me and my team with all of your home financing needs. Please reach out anytime using the contact information located on this page and use this website as a resource as you start your home financing journey.

VP of Mortgage Lending

Shawn Perkins is your San Diego local lender. As a loan officer at OriginPoint, Shawn 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 Shawn at (619) 486-1566 for more information!

Shawn Perkins at Origin Point (NMLS #290549)

San Diego

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2 Loan Officers San Diego, CA