Los Angeles Mortgage Broker for Home Buyers & Homeowners

Beverly Hills–Based. Serving Los Angeles Buyers at Every Stage.

Buying or refinancing a home in Los Angeles requires more than competitive rates. It requires experience, access, and the ability to structure loans in one of the most complex real estate markets in the country.

Mark Cohen and the team at Cohen Financial Group is a Beverly Hills–based mortgage brokerage serving home buyers, homeowners, and investors throughout Los Angeles County. We arrange conforming, high-balance, jumbo, and non-QM loans, helping clients navigate competitive transactions with clarity and confidence.

Whether you are purchasing your first home in Culver City, moving up in Brentwood, refinancing in Malibu, or buying a high-value property in West Hollywood, as a Los Angeles mortgage broker, our role is to structure the right loan for your situation.

Why Work With a Los Angeles Mortgage Broker?

Unlike banks, mortgage brokers are not limited to a single set of loan products. We work with a broad network of lenders to match borrowers with the most appropriate financing based on goals, income structure, and timing.

Working with a Los Angeles mortgage broker allows you to:

• Compare multiple loan programs in one place

• Access conforming, jumbo, and specialty lending options

• Navigate complex income or asset-based scenarios

• Strengthen offers in competitive LA markets

• Receive personalized guidance rather than call-center service

This flexibility is especially important in Los Angeles, where property values, borrower profiles, and underwriting expectations vary as widely as the architecture. From condos in West Los Angeles to historic homes in Pasadena and San Fernando valley our experience has you covered.

Speak with a Los Angeles Mortgage Broker

First-Time Home Buyers in Los Angeles

Buying your first home in Los Angeles can feel overwhelming. The right financing strategy can make a meaningful difference, especially when inventory is tight and competition is strong.

We work closely with first-time buyers to:

• Explain loan options in plain language

• Identify competitive conforming or high-balance programs

• Navigate down payment and credit requirements

• Coordinate with agents and escrow to meet deadlines

First-time buyers don’t need guesswork. They need clarity and structure from the start.

Read reviews from first time home buyers

Conforming, High-Balance & Jumbo Loans

Los Angeles county home prices span a wide range, and loan structure should align with both the property and the borrower.

We arrange:

• Conforming loans

• High-balance conforming loans

• Jumbo loans above conforming limits

• Fixed-rate and adjustable-rate options

Because we work with multiple lenders, we help clients understand when a conforming loan is the right fit and when alternative structures provide better flexibility or long-term value.

Explore more on how jumbo loans work in Los Angeles.

Mortgage Solutions for Self-Employed & Non-Traditional Borrowers

Los Angeles has a high concentration of business owners, entrepreneurs, and commissioned professionals whose income does not fit traditional W-2 underwriting models.

We regularly help borrowers qualify using:

• Bank statement loans

• Non-QM mortgage programs

• Asset-based qualification

• Complex bonus, commission, or partnership income

We also work with foreign national buyers who may not have U.S. W-2 income. These borrowers often qualify through specialized non-QM programs that rely on assets, international income, and alternative documentation rather than traditional employment verification.

Super Jumbo Loans for Ultra-High-Net-Worth Buyers

Los Angeles is home to some of the most valuable residential real estate in the country. Purchases at the highest price points often require financing well above standard jumbo limits.

We structure super jumbo loans for high-net-worth buyers using private, portfolio, and relationship-driven lenders. These loans are customized around assets, liquidity, and long-term strategy rather than rigid underwriting formulas.

Discretion, execution, and experience matter at this level.

Refinance & Cash-Out Options in Los Angeles

Refinancing can help homeowners lower payments, restructure debt, or access equity for other financial goals.

We assist with:

• Conforming and jumbo refinances

• Cash-out refinancing

• Home equity line of credit (HELOC)

• Rate and term optimization

• Refinancing for self-employed borrowers

Online mortgage rates often reflect national averages and fail to account for Los Angeles pricing or borrower-specific factors. Speaking with a local mortgage broker provides a clearer, more accurate picture.

For more detailed information visit our refinance guide.

Local Experience Across Los Angeles County

Los Angeles is not a single market. Property types, appraisal expectations, and underwriting nuances vary significantly by neighborhood.

As a Beverly Hills–based mortgage broker, we regularly work with buyers and homeowners throughout Los Angeles County, including the Westside, South Bay, and surrounding communities. This local experience helps anticipate challenges before they slow down a transaction.

Frequently Asked Questions Mortgage Broker Los Angeles

 

Should I use a mortgage broker or a bank in Los Angeles?

A mortgage broker provides access to multiple lenders, while a bank offers only its own products. In Los Angeles, this flexibility often leads to better loan structures and smoother approvals.

Can first-time home buyers in Los Angeles work with a mortgage broker?

Yes. Many first-time buyers work with mortgage brokers to compare loan options, understand affordability, and navigate competitive Los Angeles markets.

What loans can a Los Angeles mortgage broker help with?

Mortgage brokers help arrange conforming, high-balance, jumbo, non-QM, refinance, and specialty loan programs based on borrower qualifications and goals.

Can self-employed borrowers qualify for a mortgage in Los Angeles?

Yes. Self-employed borrowers often qualify using bank statement loans, asset-based programs, or alternative documentation when traditional W-2 income does not apply.

Can foreign nationals get a mortgage in Los Angeles?

Yes. Foreign nationals can qualify through specialized non-QM loan programs that rely on assets, international income, and larger down payments rather than U.S. employment.

What is a super jumbo loan?

A super jumbo loan exceeds standard jumbo limits and is typically used for luxury or ultra-high-value properties. These loans require specialized lenders and customized structuring.

Why are online mortgage rates inaccurate for Los Angeles?

Online rates are usually national averages and do not reflect Los Angeles pricing, jumbo adjustments, or borrower-specific factors. A local mortgage broker can provide more accurate options.

Work With a Los Angeles Mortgage Broker Who Prioritizes Fit

 

Whether you’re buying your first home, refinancing, or structuring financing for a high-value property, the right loan matters.

Cohen Financial Group helps Los Angeles buyers and homeowners navigate mortgage decisions with experience, access, and clarity.