Residential, Commercial, Construction, VA, FHA, Reverse Mortgage & CalHfa Loan Solutions

You Want the Best.

You want the best loan at the best rate to meet your needs and accomplish your goals.

We have the very same goal - but we don't go about it by simply quoting you a rate.  We begin by getting to know about your needs and  goals and then search for the right loan program to serve you.  Anyone can quote you a rate, but many clients and professionals don't know the complexities of the different loans and the impact they can have on your financial future.

We don't just quote you a rate-we educate you about loan choices so that you can make informed decisions.

You don't pay more for these services-you simply get the advice you need to get the best loan to meet your needs-not the needs of the bank, the lender or the salesperson.

We are your strategic financial mortgage partner and our advice makes a difference.

Our Commitment To You

• Great rates and fair fees to save you money
• A simplified loan process to relieve your stress
• Educational information to help you make the best decision
• Crisis-free closings so you can make your plans and rest easy
• Committed staff to help you, answer questions and keep you abreast of the next step so you remain informed throughout the process
• Our expertise, years of experience and honest communication ensures you get the right loan to meet your needs
• Convenient hours to meet your schedule
• Mobile notary for your convenience
• Annual loan review to ensure you are in the right loan and meet your goals with your home investment 

Your Partner

Carl Spiteri is a mortgage expert who has been serving the San Diego community for over 16 years and is co-author of the book, Borrow Smart, Retire Rich. 

Carl takes a unique approach in working with clients to assist them in managing their mortgage.  While he coordinates residential, construction, commercial, VA, FHA, CalHFA loans and refinancing for our clients - Carl does so as your strategic financial mortgage partner.  He ensures that you have considered your long and short term goals and that you have the right loan product to meet those needs.  He doesn't just quote you a rate - he shows you options to maximize your home investment.  His consultation and expertise makes a difference and you benefit from his knowledge and years of experience. Additionally, Carl subscribes to the Lenders Who Care program, committed to honesty, integrity, fairness and professionalism in all business transactions. You don't pay more for this service, you simply get more when you work with Carl Spiteri of LoanStar Financial.

Our Mission

We strive to provide unparalleled service.  Through education and consultation we provide an experience that we hope exceeds your expectations and earns your trust, respect and business for life.