Carlyle Financial - California's Personal Mortgage Bank

Clear. Simple. True Peace of Mind.

We process, approve, and fund in-house. Our lending is agile, straightforward, and transparent. Stay organized, receive regular updates, and talk to real people every time you call.

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Your Personal Mortgage Bank.

Carlyle Financial is a California-based mortgage bank with a commitment to clear and simple home loan solutions. As a direct lender, we offer extensive mortgage options in a single place including jumbo home loans, ARMs, and interest-only mortgages.

Expanding your portfolio?

Minimize risk and maximize cash flow on your residential and commercial investments. We provide several lending options to assist you with expanding your portfolio. Our mortgage bankers are well-versed in the areas of multifamily and non-residential investment lending.

We provide a full range of lending products and services including interest-only payments, cash-out refinances, and corporate entity vesting.

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Is FHA Financing right for you?

We are an approved Federal Housing Administration lender. Conventional loans generally require a 20 percent down payment of the purchase price, however, borrowers who choose FHA Financing can put down as little as 3.5 percent. Ideal for borrowers with limited credit history as FHA loans allow the use of non-traditional items - such as utilities and mobile phone accounts - in place of standard credit accounts typically required for home loans.

We provide you with an extensive suite of jumbo and super‑jumbo loan options for purchasing a home or investing in new property. Our experienced mortgage bankers find you the best rates and terms available.

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Need an interest-only Jumbo ARM?

Choose from a wide variety of rates and terms, including interest‑only payments and fixed or adjustable‑rate programs. We offer an extensive suite of jumbo and super‑jumbo loan options tailored to your needs. Our jumbo loans can also be used to purchase a second home or investment property.

We underwrite and fund our own jumbo home loans to save you time and prevent the headaches that come with using an outside lender.

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Mortgage Calculator

Explore your payment options with loan amounts, rates, and terms below. This model is based on a fixed-rate loan and calculates the first month’s mortgage payment as an example. Compare other financing scenarios here.

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Latest Blog Posts

Ever since December when the Fed announced the first in a series of rate hikes, economic experts have given all sorts of opinions on the future of mortgage rates. The largest cry heard was to refinance or jump on a new home quickly, because rates were bound to go up. But eight months and two...
Ever since December when the Fed announced the first in a se...
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Robert and all the staff were extremely polite and efficient. The eSigning and document uploading processes made everything very easy and secure, and Robert really knows his jumbo loan products. Carlyle Financial has earned another new loyal customer!

- Chuck, Menlo Park, CA
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Robert and the Carlyle make the financing process understandable. They help you overcome any issues, they explain what's going on, they are very patient throughout the whole process. They truly are on your team.

- Casey B., San Francisco, CA
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Just closed on my new house and I couldn’t have done it without the people at Carlyle Financial. They made the process so easy and not to mention fast. We closed 3 days early!! What I liked most about them is that they were organized and they always kept me in the loop with whatever was going on. Thanks again guys!

- Donny, Studio City, CA
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Robert Cohan and his team made the refi process easy; well at least manageable. THEY ARE AMAZING. Highly recommend.

- Afshin, Beverly Hills, CA
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Jesse Collins provided me with a very detailed breakdown with many options and financial scenarios over e-mail. We were able to meet in person the following week to go over these in further detail. I had a million questions and he was able to go through them one by one, going over pros and cons. Great Service and Knowledge. Well recommended.

- Tim R., California
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