High-Net-Worth Lending | Home Loans
Cohen Financial Group | Led by Mark Cohen, #1 Mortgage Broker in the U.S. (2026 Scotsman Guide)
Quick Answer
High-net-worth mortgage lending provides financing for borrowers with substantial financial resources and large or complex borrowing needs. For $10M+ mortgages, the right structure may depend on the property’s value, requested leverage, borrower profile, and the lender’s ability to accommodate the transaction.
When Wealth Doesn’t Make a Mortgage “Simple”
It may seem that a high-net-worth buyer should have little trouble securing a mortgage. But financing a $10M+ property can fall well beyond conforming loan limits, moving the transaction into the jumbo and super-jumbo lending space. In this case, the borrower was seeking financing at 75% LTV, a structure that required more than finding a lender willing to offer a large jumbo loan in California. When conventional options could not provide the needed terms, Mark Cohen took a different approach: finding a lending structure that fit the size and complexity of the transaction.
$10M+
Loan Size
75% LTV
Requested Leverage
Private Bank
Lending Channel
The Challenge: Financing a $10M+ Mortgage at 75% LTV
A $10M+ mortgage presents a different financing challenge from a typical jumbo loan. Once a loan moves well beyond the jumbo loan limit in California, the transaction requires a lender whose guidelines can accommodate the requested loan size. In this case, the financing challenge included:
Large loan amount
The requested financing exceeded the range of many standard mortgage programs.
High leverage
A 75% LTV represents substantial financing relative to the property’s value, particularly at a $10M+ loan size.
Lender requirements
The transaction required a lender whose guidelines could accommodate both the loan amount and requested leverage.
Competing terms
Other lenders considered for the transaction were unable to match the terms the borrower was seeking.
The Solution: A Private-Banking Approach to a Complex Mortgage
For a transaction of this size, finding a lender willing to offer a super-jumbo mortgage in California was only part of the challenge. The financing also had to align with the borrower’s financial profile, the property’s value, the requested leverage, and the terms of the transaction.
Mark Cohen approached the financing through a long-standing bank relationship, giving the transaction a channel for more individualized consideration. The approach focused on understanding the full picture:
The borrower
Review the borrower’s overall financial position rather than evaluating the mortgage request in isolation.
The property
Consider the property’s value and the amount of financing being requested against it.
The leverage
Evaluate whether the requested 75% LTV fit within the lender’s parameters for a transaction of this size.
The lender
Identify a lending partner whose guidelines and appetite aligned with the specific transaction.
The structure
Build the financing around the actual circumstances of the borrower and property rather than forcing the transaction into a standard mortgage product.
The objective was to align the loan size, leverage, borrower profile, property, and desired terms with a lender’s applicable parameters. A banking relationship does not eliminate underwriting requirements, but it can provide a channel for presenting and evaluating a complex transaction within those requirements.
What High-Net-Worth Mortgage Lending Looks Like in Practice
A $10M+ mortgage changes the significance of the financing terms themselves. At this level, even small differences between financing structures can have a substantial financial impact, hence the need to work with a team that evaluates the complete financing package. For luxury buyers, several broader lessons emerge:
Financial strength does not eliminate financing complexity.
A borrower may have substantial assets and still need a mortgage structure that falls outside standard lending parameters.
Leverage can matter as much as loan size.
At the $10M+ level, the amount being financed relative to the property’s value can significantly affect which lending structures are available.
Terms matter beyond the interest rate.
Fees, cash required to close, leverage, loan structure, and other terms can meaningfully affect the economics of a transaction. Buyers comparing jumbo loan rates in Los Angeles should therefore consider the complete financing package.
Specialized lending channels can create additional options.
When a standard lender cannot accommodate a particular structure, access to a different lending relationship may provide another path to financing, subject to that lender’s requirements.
What Cohen Financial Group Brings to the Table
#1
Brokered Volume
2026 Scotsman Guide
#1
Non-QM Volume
2026 Scotsman Guide
31,200+
Loans Originated
$18B+ Total Volume
Top 1%
15 Consecutive Years
Nationwide Brokers
Mark Cohen has been originating mortgages since 1986, bringing decades of experience to high-value and complex transactions. Over his career, he has originated more than 31,200 loans totaling over $18 billion in volume and has ranked among the top 1% of mortgage brokers nationwide for 15 consecutive years.
His experience includes jumbo and super-jumbo financing, with transactions in the $8 million to $12 million range. That experience is particularly relevant to borrowers seeking financing that falls outside the standard mortgage process.
In the 2026 Scotsman Guide rankings (based on 2025 production), Cohen was ranked No. 1 in brokered volume, with $933.7 million across 692 loans, and No. 1 in Top Non-QM Volume, with $417.1 million across 262 non-QM loans.
For a borrower pursuing a $10M+ mortgage, these credentials speak to experience with the size and complexity that can come with high-value financing. As a mortgage broker in Los Angeles, Cohen Financial Group brings that experience to borrowers seeking jumbo, super-jumbo, and other specialized mortgage solutions.
Frequently Asked Questions
What is considered a high-net-worth mortgage?
There is no universal loan threshold. The term generally describes financing for borrowers with substantial financial resources and/or large, complex borrowing needs.
Can you get a $10 million mortgage?
Yes, some lenders offer mortgages at this level, subject to their loan limits, underwriting requirements, property, and borrower qualifications.
Why might a bank decline a high-net-worth borrower?
Wealth alone does not determine mortgage eligibility. Loan size, leverage, property, documentation, and the lender’s underwriting parameters can all affect whether a transaction fits.
What is the difference between a jumbo and super-jumbo mortgage?
A super-jumbo mortgage generally refers to a loan substantially above standard jumbo thresholds. Definitions and limits vary by lender.
Can a mortgage broker help with a $10M+ loan?
A broker with relevant lending relationships may help identify lenders whose parameters fit a complex transaction, including a jumbo loan in Los Angeles.
Understand What’s Possible Before You Buy
Buying a high-value property requires careful planning before you commit. A mortgage broker in Beverly Hills can review the property, desired loan amount, leverage, and financial profile to help identify financing structures and lending relationships that may be available for your transaction.
Call 310.777.5401 or start your application online
Rankings reference the Scotsman Guide 2026 Top Mortgage Brokers and Top Originators lists, based on 2025 production. Loan availability, terms, and underwriting requirements vary by lender and borrower.