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San Diego Mortgage News & Advice - Carl Spiteri

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San Diego Mortgage News & Advice - Carl Spiteri

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For 25+ years, I’ve helped homeowners use their mortgage as a strategic part of their financial life—not just a loan. My approach: Straight talk. Smart choices.

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. 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 pictureLet’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.

10/29/2026

Reverse mortgages come with plenty of misconceptions.

The more you understand your options, the easier it is to decide whether one belongs in your plan.

10/27/2026

Plans change. Retirement doesn’t always arrive with the mortgage completely paid off.

The important part is understanding the full picture and whether it makes sense for your situation.

10/22/2026

Sometimes the value of having a financial resource is simply knowing it’s there.

It could provide another option for unexpected expenses or future needs while allowing you to keep other assets where they are.

10/21/2026

Why Muscle Matters When Taking GLP-1..

Eat Well, Age Well: Metabolic Health & Nutrition | Boomers, Bucks, and Bling Episode 33

What does your body really need to stay strong and healthy as you age?

In this episode of Boomers, Bucks & Bling, Carl sits down with Makayla Davis of Soul of Nutrition and Fitness to break down metabolic health and the everyday habits that can make a difference as we get older.

We talk about metabolism, protein and muscle mass, gut health, hydration, intermittent fasting, and the growing use of GLP-1 medications. Makayla also shares why maintaining muscle becomes especially important with age and how nutrition and movement work together to support overall health.

🎧 Listen to More Episodes:
Spotify: https://ow.ly/ttaN50TZH81
Apple Podcasts: https://ow.ly/cFb350TZH84
YouTube Playlist: https://ow.ly/cwaf50TZH8u

10/20/2026

Seeing “2/1 buydown” in a listing and wondering what that actually means?

It can make those first couple years of homeownership a little easier on the monthly budget.
Have questions about how the numbers work? I’m happy to break it down!

10/17/2026

The Truth About GLP-1 Medications…

Eat Well, Age Well: Metabolic Health & Nutrition | Boomers, Bucks, and Bling Episode 33

What does your body really need to stay strong and healthy as you age?

In this episode of Boomers, Bucks & Bling, Carl sits down with Makayla Davis of Soul of Nutrition and Fitness to break down metabolic health and the everyday habits that can make a difference as we get older.

We talk about metabolism, protein and muscle mass, gut health, hydration, intermittent fasting, and the growing use of GLP-1 medications. Makayla also shares why maintaining muscle becomes especially important with age and how nutrition and movement work together to support overall health.

🎧 Listen to More Episodes:
Spotify: https://ow.ly/ttaN50TZH81
Apple Podcasts: https://ow.ly/cFb350TZH84
YouTube Playlist: https://ow.ly/cwaf50TZH8u

10/15/2026

The purchase price isn’t the only number worth negotiating 👀

Seller credits may be able to go toward lowering your interest rate, but there are different ways to structure a buydown.

Before you make an offer, let’s run the numbers and see what could make the most sense for you.

10/14/2026

The Easiest Way to Stay Hydrated…

Eat Well, Age Well: Metabolic Health & Nutrition | Boomers, Bucks, and Bling Episode 33

What does your body really need to stay strong and healthy as you age?

In this episode of Boomers, Bucks & Bling, Carl sits down with Makayla Davis of Soul of Nutrition and Fitness to break down metabolic health and the everyday habits that can make a difference as we get older.

We talk about metabolism, protein and muscle mass, gut health, hydration, intermittent fasting, and the growing use of GLP-1 medications. Makayla also shares why maintaining muscle becomes especially important with age and how nutrition and movement work together to support overall health.

🎧 Listen to More Episodes:
Spotify: https://ow.ly/ttaN50TZH81
Apple Podcasts: https://ow.ly/cFb350TZH84
YouTube Playlist: https://ow.ly/cwaf50TZH8u

10/13/2026

Retirement doesn’t mean the home maintenance disappears.

If the roof needs work, the kitchen could use an update, or other expenses are starting to add up, your home equity may be able to help.

Sometimes it’s worth knowing what options are available before putting off the projects you need.

10/10/2026

How GLP-1 weight loss drugs actually work…

Eat Well, Age Well: Metabolic Health & Nutrition | Boomers, Bucks, and Bling Episode 33

What does your body really need to stay strong and healthy as you age?

In this episode of Boomers, Bucks & Bling, Carl sits down with Makayla Davis of Soul of Nutrition and Fitness to break down metabolic health and the everyday habits that can make a difference as we get older.

We talk about metabolism, protein and muscle mass, gut health, hydration, intermittent fasting, and the growing use of GLP-1 medications. Makayla also shares why maintaining muscle becomes especially important with age and how nutrition and movement work together to support overall health.

🎧 Listen to More Episodes:
Spotify: https://ow.ly/ttaN50TZH81
Apple Podcasts: https://ow.ly/cFb350TZH84
YouTube Playlist: https://ow.ly/cwaf50TZH8u

Address

11622 El Camino Real # 100
San Diego, CA
92130

Opening Hours

Monday	8am - 5:30pm
Tuesday	8am - 5:30pm
Wednesday	8am - 5:30pm
Thursday	8am - 5:30pm
Friday	8am - 5:30pm

Telephone

+16195446444

Website

http://carlspiteri.com/, https://www.originpoint.com/loan-officers/carmel-spiteri-286890

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