Hello, my name is Carl Spiteri. 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 working with the non-profit 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.



“Carl was very flexible and giving of his time. You never feel rushed to make a decision and they will always explain in detail any questions that may arise. We took their advice and have had the most wonderful transition to our new home.” Tiffany & Kevin S. Website

Carl Spiteri has done a GREAT job for me and my family – 3 times now! He made our home purchase possible with a very competitive mortgage loan in 2011; he helped us refi a year later when interest rates dropped; and he helped us refi again in 2015! Each time was a breeze. Carl always did what was best for us, and his staff complemented him perfectly with excellent service. Kudos to Carl! – Jonathan & Cindi Dunscomb – LinkedIn

Carl and his team are awesome they help us to refinance and get a lower monthly payment and they make sure that we understood what we were doing the whole time they took care of us in every step of the way. I would definitely recommend Carl and his team to anyone whose planning to buy a house or maybe get a lower rate on their loans. To Carl and his team I just wanna say thank you for helping us out and keep up the good work! Glen D. – Yelp


The Smart Home Buyer Workshop

A Free Home Buying Education Course, For The Smart First Time Home Buyer.
 If you are looking for information about Home Buying you can call Carl at (619) 544-6444. Come to our next No Cost workshop and learn what you need to do to get into the home of your dreams.

The workshop is help the first Tuesday of Every month.

THE SMART HOME BUYER – Whether it’s your first home or last home, this in-depth home buying course teaches every critical aspect of purchasing a home. It starts with understanding your WHY and moves onto PREPARING and UNDERSTANDING the financial decisions being made. Time is spent understanding the dual process involved and how and why interests and loan programs change. This workshop is offered the first Tuesday of every month.

FOR MORE INFO VISIT: www.Smarthomebuyerworkshop.com



Carl Spiteri
NMLS# 286890
Producing Branch Manager
Office: 619-544-6444
6333 Greenwich Dr. #205,
San Diego, CA 92122
Ark-La-Tex Financial Services, LLC, NMLS #2143



State Licensing Disclosure | Privacy Policy