Having been self-employed his entire career, Carl Spiteri understands the need for liquidity and the importance of self dependence and reliance.   Carl became a Mortgage Consultant in 1991 and realized how misinformed and misled consumers had been by an industry pushing for the public to consume rather than conserve the wealth in their home—their equity.  Consequently, he is committed to educating clients, financial and real estate professionals on how to effectively use a mortgage as a tool to build financial stability and create wealth. 

 Carl commits himself to educate and inform clients about their options to ensure they understand their choices and feel empowered and informed to make a decision about their loan without fear or confusion. Carl Spiteri prescribes to the Lenders Who Care program pledging honesty, integrity, fairness and professionalism in all business dealings. He speaks on debt and equity management, real estate investing and homebuyer education.