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

There are a lot of amazing perks you get to take advantage of when you own your home. You finally get to paint your walls the perfect shade of grellow and you also get to put your money towards a tangible asset rather than paying rent. As a homeowner, you’re also entitled to several potential...
There are a lot of amazing perks you get to take advantage o...
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Jesse Collins performed a miracle by helping us close on our first house in 8 days. 8 DAYS! Right down to the wire, Jesse was efficient, professional, extremely helpful, and most importantly, provided THE most competitive rates around.

- jennifer1972, Berkeley, CA
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We made a home purchase with a jumbo mortgage with Carlyle Financial. Robert and Katheryn are fantastic to work with. They are very knowledgeable, professional and responsive.

- Colleen, Foster City, CA
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rom beginning to end...we found the team capable and committed to delivering our family an excellent outcome - which they did! We needed to work through some complex issues, and the team always stayed ahead of them with suggestions and advice which kept the process moving. Great experience - highly recommend! Thank you!

- Paul, San Francisco
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Our loan in San Francisco needed special attention due to the complexity of our situation. Multi unit investment property with multiple owners at a fantastic rate. The competitors couldn't come close. Carlyle Financial is my new go to team for any future financing. I couldn't be happier. Thank you!!

- Paul R., San Francisco, 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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