Benchmark Mortgage – Carl Spiteri

Earlier this year, I was lucky enough to be connected to Carl Spiteri and his team as I ventured to purchase my first home. Carl was informative, communicative and very supportive throughout the entire process. He explained everything as we went along and managed to keep me encouraged while pulling me back from the edge of «crazy town» with his expertise and sense of humor. I am now a VERY happy homeowner, and I would HIGHLY recommend Carl and his team for your mortgage needs! They are Awesome!
~Pamela

Carl and his team did a great job on the loan of my recent client. He was always available to answer any questions I had as a newbie Realtor. Thanks!

Carl was amazing in closing my loan on time and being easy to get ahold of! He is very experienced and his staff really knows what they are doing! He will always have my recommendation!

Carl and the team at Benchmark were great — really walked us through the process, and helped us understand all the math to help us feel comfortable. He helped us get a construction loan to add on to our house; nearly as stressful as buying a house, Carl made it work out for us!

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!

Having just completed our fourth transaction with Carl we are extremely grateful for his expertise and integrity. Not
only is he very knowledgeable about all the aspects of financing home loans, but he is also able to explain the intricacies in a way that we can understand. With the real
estate market’s ups and downs, we often check in with Carl to be sure we are maximizing our investments. He tells us honestly if it is in our best interests to buy, sell or refinance. Thanks to Carl, we just got out from under a large, monthly mortgage insurance (FHA) into a conventional loan, saving us $ 500/​month! Thank you, Carl, for looking out for us!

Carl and his staff were fantastic when it came to servicing my loan. He pulled the curtain back on how the interest rates worked and how the loan was financed and I really appreciated that. I would happily work with him again in the future.

In our post recession world of getting real estate loans, it is a frustrating process. There are so many more forms to fill out and hoops to jump through. Carl’s experience and easy manner really helped in this process. He had all of the answers and was very professional. He was also, the very first loan agent that I’ve worked with who actually wanted to meet me in person! I would highly recommend him.

While Carl helped us to finance our first home, the estimate of our mortgage payment based on the homes we were looking at changed 3 times, and not for the better. Our down payment estimate also went up 3 times. It was so ridiculous, frustrating, and stressful. About 7 months after we bought our house Carl called us to say our house went up in value and he thought he could get us refinanced and drop our mortgage insurance. We got to his office for our appointment and his assistant had no idea who we were or why we were there. We waited about 25 minutes and Carl finally came in. He had already run our credit again and was trying to get us to refinance for a higher interest rate. In the long run he would have made a bit of money off the deal and we would have paid more overall for our house. We were PISSED he ran our credit without talking to us first because our credit scores took a hit from his unnecessary inquiry. We were under the impression that we were coming in for a consultation regarding the possibility of refinancing, not that he had the paperwork going already. We often use the phrase «snake in the grass» when we talk about our dealings with him. Wouldn’t use him again and wouldn’t recommend him to anyone else!!!

Nice work Carl! As the listing agent for your clients working with Joanie Selby, I really appreciated your ability and willingness to get things done, on time and with minimal stress. I love helping to make home buying a reality for people. You share that passion and it shows in your work. Thanks!

It was such a great experience to work with Carl and his team. He was thorough, communicated well, and I would not hesitate to work with him again or refer a friend to him.

Carl is amazing. My real estate business has grown exponentially in the years since I started using him as my «go to» guy for loans as well as for financial advice. He is so good at looking at the whole picture of someone’s financial situation instead of just quoting a loan rate. He is also beneficial because he really knows his stuff, I don’t have to worry about getting to the end of a transaction, ready to close and having the whole deal far apart because the lender didn’t know enough to figure out that he couldn’t do the loan. Don’t make the mistake of just shopping a rate. Go with the guy who is going to benefit you the most all around.