Carl Spiteri: Versatile Mortgage Lending Expertise | Home Equity & Loan Solutions

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Carl Spiteri, an experienced mortgage banker with a remarkable 28 years of industry expertise. I’ve dedicated my career to mastering the intricacies of mortgage lending, offering clients a comprehensive range of services tailored to their unique needs. Whether you’re seeking a conventional loan or something a bit more unconventional, I have the knowledge and skills to guide you through the process.

What truly sets me apart is my ability to understand even the most complex loan scenarios. Over the years, I’ve honed my skills to navigate diverse situations, from Baby Boomers retirement challenges to unique property types, to construction lending and everything in between. I thrive on finding creative solutions to ensure my clients secure the financing they need.

I take immense pride in my commitment to clear communication, integrity, and client satisfaction. When you work with me, you can trust that you’re receiving personalized guidance every step of the way. I believe in empowering my clients with the information they need to make confident decisions about their options.

With a vast network of industry connections and a proactive approach to problem-solving, I streamline the loan process and overcome obstacles efficiently. My goal is simple: to provide you with a stress-free mortgage experience backed by decades of experience and a genuine dedication to excellence.

As your mortgage advisor, I am committed to providing you with access to a wide range of loan products tailored to your unique needs. From Traditional mortgages to Reverse Mortgages, Bridge loans, construction loans, and beyond. Let’s explore your options together and find the perfect mortgage solution for you. Reach out today, and let’s make your homeownership dreams a reality.Top of Form

  1. Reverse Mortgages – Refinance current home or Reverse to Purchase (rightsize)
  2. Conventional, FHA, VA, Jumbo – Traditional products
  3. Super Jumbo up to 30M – Unique loan
  4. Temporary Buydowns 2-1, 3-2-1, 1-1 – Lower payments for 3,2,or 1 year
  5. USDA 100% financing Rural communities
  6. CALHFA, GSFA- Down payment assistance programs
  7. Remodel and ADU lending- Homestyle renovation or 203K
  8. Bank Statement lending 12 or 24 months. Income base on bank deposits minus expense factor
  9. Cross Collateralization- Buy before Sell, Two Homes One Loan, LTV up to 90%
  10. Construction Lending – all types
  11. Pledged assets- Pledge stocks, bonds, mutual funds, or cash for an LTV up to 90% LTV
  12. HELOC’s Home Equity Line of Credit up to 90% LTV
  13. Private Lending and Hard Money – Equity Driven loan for non-owner Occupied
  14. Bridge Loans- to Sale – Cash out the equity in a departing residence with no DTI, Buy before Sell
  15. Foreign National- Borrowers with ITIN can borrow using full doc, bank statement, or DSCR

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30 Compelling Reasons to Consider a Reverse Mortgage | Unlock Your Retirement Income

Explore the top 30 reasons why a reverse mortgage could be the key to a comfortable retirement. Supplement income, cover expenses, delay Social Security, and access home equity. Learn how a reverse mortgage provides financial flexibility, tax-free income, and the ability to age in place securely. Ideal for those seeking to enhance retirement income with the value of their home.