Robert Cohan doesn’t believe in quick fixes. He believes in the craft of understanding people’s lives beyond the numbers. As President of Carlyle Financial, he leads with a simple conviction: a mortgage should fit like a perfect suit, tailored specifically for the individual.
This vision began with a simple idea: clients deserve more. That spark first ignited in a young Robert working behind the scenes at some of the nation’s largest banks, Bank of America, Washington Mutual (now J.P. Morgan Chase), and Wells Fargo Home Mortgage. Even then, he was known for doing things differently: He opened the first mortgage-only storefront on Canon Drive, in the heart of Beverly Hills.
But over time, he began to see the cracks.
The mono-channel lending model of big banks left too many clients with complex financial lives underserved. So Robert stepped away from the conventional path to build something of his own. That something became Carlyle Financial, a firm for individuals who don’t fit into pre-cut molds. Entrepreneurs, tech leaders, real estate investors, creatives... clients with nuance and ambition, seeking clarity and partnership.
Today, Robert is a leading expert in jumbo mortgage lending, featured in The Wall Street Journal, Business Insider, Investor’s Business Daily, and other national publications. He leads Carlyle from the firm’s San Francisco headquarters at One Market Plaza, but his work doesn’t end at the office. You’ll often find him on a basketball court, coaching youth league players on their jump shots.
Getting married is one of the most exciting milestones in life. You’re committing to spending your life with someone you love, and that involves sharing hopes, dreams, and—yes—finances. While planning a wedding is thrilling, many couples overlook the importance of planning their financial future together. Yet, talking about money before you get married is one of the most important conversations you can have. These discussions will set the tone for how you and your partner manage finances, prevent misunderstandings, and help you work toward shared goals. It may feel awkward at first, but having these honest conversations can be a huge relief in the long run. Premarital financial planning doesn’t have to be intimidating or formal—grab a cup of coffee, order takeout, and turn it into a meaningful discussion. Who says planning your future together can’t be romantic? Let’s dive into three critical financial topics every couple should discuss before walking down the aisle to build a strong foundation for your future.
A strong credit score may help improve your eligibility for competitive mortgage options when buying your first luxury home. While a strong credit score is one of several factors lenders consider, it alone does not guarantee better loan options or lower interest rates. Lenders also evaluate other aspects of your financial profile, such as income and debt levels.
California’s real estate market is consistently one of the hottest in the country, driven by a thriving economy, ample job opportunities, and, of course, the beautiful weather that makes the Golden State so desirable. However, this demand often leads to a competitive and expensive housing market. With limited housing inventory and high buyer demand, purchasing a home in California can feel challenging.
Robert is highly regarded as one of the leading experts in jumbo mortgage lending. It all comes down to one thing: Robert sees what’s possible, and he helps you get there.
