Create Your Dream Home Now!

Whether remodeling or building your dream home from the ground up, we specialize in keeping families in their homes, school districts, friends and communities they love.

203k Construction Loan has more flexibility.
You can have Lower FICO Scores and Higher debt-to-income ratios.

One of the most popular and diverse home improvement loans is the FHA 203k. You can make home improvements to the house you want, or the home you already own. Use the funds for simple upgrades to your home like a kitchen or bath improvement, or to completely reconstruct a home that is presently unlivable.

You can even use a 203k Rehabilitation Loan to tear down most of an existing structure and rebuild a new one using some portion of the existing foundation. You can borrow up to 100% of the appraised value – based on the value when the improvements or repairs are completed.

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HomeStyle® Renovation Mortgage Loan is less flexible then a 203K. You need Higher FICO Scores and Lower debt-to-income ratios.

The HomeStyle® Renovation Mortgage enables a borrower to obtain a purchase mortgage or a remodel refinance mortgage and receive funds to cover the costs of repairs, remodeling, renovations or energy efficient improvements to the property.

With as little as a 10% equity you can add your taste & style to a house to make it your home with remodelling projects like a new kitchen, bathroom, room addition or energy efficient upgrades. HomeStyle® Renovation allows you to buy a home and fix it up, or refinance and remodel your current home.

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A New Construction Loan. A single loan and 1 Closing date. Take land and turn it into a Home.

The One-Time Close construction loan does NOT require the borrower to qualify twice. For other types of construction loans the borrower applies once to pay for the construction, then applies again for the mortgage itself. Construction-to-permanent loans avoid all that by using a single loan, one closing date, and specific steps and requirements for how the loan is to proceed into construction phase and what happens once the work is completed.

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If you don’t know which loan product to choose, talk to Carl Now!

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Carl and his team are great; we’ve purchased a home and refinanced through him and each transaction went smoothly and closed on time. My only regret is that we didn’t obtain our loan with Carl for our first home!

-Stephanie R., March 25, 2018, ,

We worked with Carl and his team at Benchmark in purchasing our first home. They were very accommodating. They helped settle our fears and anxieties on our first mortgage. Very professional.

– Leland F., February 20, 2018,

The whole team at Benchmark kept us informed at each step of the process, answering any questions we had along the way. Thank you to the entire Benchmark Mortgage staff. We love our new home.


– Kenneth F., March 2, 2018

If you don’t know which loan product to choose, talk to Carl Now!

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About Carl

Hello, my name is Carl Spiteri. Thank you for coming to my website. If you’re here, you’re looking for answers to a question. A financial question? An economic question?  I strongly believe that financial literacy paves the way to financial success. Let me help you on that road.

I have been answering questions about commercial and residential lending, credit scoring, budgeting and all things money since 1991. I have faced the same issues, the same goals and the same dreams. I analyze families’ financial situations to give them the best possible guidance.

I am an adjunct professor at Woodbury University, teaching architects about project finance. I also teach the course “Basics of Lending” for the California Association of Realtors. I broadened my own education and experience in credit and debt management so I could show you all the financial options available, from the garden variety to the out of the box choices. I figure out what makes sense financially for you and aim to explain it in the simplest and clearest terms.

My passion for financial literacy was an outlet in the non-profit partnership with Herocare, an organization committed to educating and supporting community heroes across the nation.

I know what you’re going through because I’ve been there myself. I love numbers and financial data. Let me finesse your own to fit your life.

Dream. Plan. Achieve.

Carl Spiteri | NMLS #286890
6310 Greenwich Drive, Suite 200
San Diego, CA 92122
Phone: 619.544.6444

Benchmark Mortgage DBA Ark-La-Tex Financial Services, LLC NMLS# 2143